Thanks for this insight. I was always under the impression the generic response satisfied the statutory requirement under 1681i(a)(6)(B)(iii). The clause seems generic stating that they need only provide a "description of the procedure used to verify..." and "business name, address, and telephone number if reasonably available."
Those generic responses seem to provide a general enough description, and I've seen so many differing opinions on this subject, I'd be interested to learn more for my own credit work as to what the precedents are.
Your time and consideration is genuinely appreciated.
Some creditors have a hardship policy and will stop collections. Others like this one just don't care. They are willing to risk that while you may be collection proof now it doesn't mean that circumstances may change in the future netting them payment. Usually it is that the consumer NEEDS new credit and is forced to deal with them finally. It isn't personal.
I was sued by Chase in January 2019 and I settled. I settled with Chase before the first court date and then they sent a letter of dismissal.
Is there a way I can delete the complaint/docket number from the court records?
So PRA/their lawyer never got me discovery objections. I called the court today and spoke with one of the clerks who said I need a Order of Discovery and a brief explanation of the situation and she will bring before the judge. The problem is I have no idea what and Order of Discovery is. My google-fu isn't turning up an example. Can someone provide or at least point me in the direction of one so I can get it to the court?
Update. This is what I came up with. Short and simple.
Having considered Defendant’s Motion and finding good cause therefore, IT IS HEREBY ORDERED this _____ day of _________________, 2019 that Defendant’s Motion to Compel Discovery is _____GRANTED _____DENIED