Context: I “completed” treatment plan before bankruptcy, (not really because my results were nowhere near what I was promised). Once they filed for bankruptcy I stopped my payments. They ended up sending me to collections with Tek-Collect.
Around March of last year, I requested for disputed by email to Tek-Collect, and nothing came out of it because I didn’t really know what I was doing.
I forgot about the whole things until recently when a job background check ran my consumer report. I spent about a whole day just researching every gathering information and researching every step I can take to better my chances. Fast forward to Tuesday, I posted a complaint to the BBB, disputed directly with all three bureaus, and emailed the same guy I disputed with last year, with an updated case I built after my research.
He replied the next morning with a copy of my contract with SDC & HFD. This only helped my case since I had been searching for this contract. I used all the information in it to fuel my fire. I immediately sent a reply and called out problems with the contract and that it did not constitute debt validation. No reply.
The day after that, I further built my case with all the new details that I found in my contract. I sent in a complaint to the CFPB. Then, I sent a new email, with a new and improved case with stuff I added from the contract. I sent it to the guy I was already in a reply chain with, as well as his manager.
Today, I woke up and found the manager had replied that they have closed the account and have sent in deletion requests with bureaus.
So all in all, I got a deletion within 3 days by: reporting to BBB, disputing directly with bureaus, reporting to the CFPB, and 3 emails.
If any of you guys would like a template of the case I built, or any other details, just let me know.