2004 Credit Suit

MIS Exhibit 12: 5-29-02 ACDV Providian

That's an E-oscar Automated Consumer Dispute Verification, a little different layout.

Notice the "FCRA DOFD" - that's the Date of first delinquency, this most important date used to age derogs off the reports.

A few months ago, Experian STOPPED disclosing this date to consumers. Trans Union NEVER disclosed it, and I have been unable to determine how TU accounts are aged. Ms. Lewis, their attorney, gave me an INCORRECT data when I first asked about this during my 2001/02 small claims suit.

I disputed the Providian account because of this weird bk notation: "Discharged Through BK Ch 7, 11, or 12 07/31/1996 to 03/29/2002" and I *hoped* that having them look at all data would get this fixed. This was also after Thomas Quinn at Fair Isaac wrote that every piece of data has to be correct.

As I'm looking at the CDV, it looks like this stupid bk notation might have something to do with the Experian STATUS date.

Looking at these disputes and the results, it's becoming clear that a consumer cannot possibly properly dispute without access to the ACDVs as well as an explanation of the codes.

It sure is odd that the due date was 5/9/02 and Providian didn't respond till 5/28/02.

It looks like the "due date for the creditor to complete the investigation is much less than 30 days.

And what's the "97 07-09-96" notation? Who wrote that and what does it mean?
The ACDV scan: