life Posted October 5, 2002 Report Share Posted October 5, 2002 Ok guys ---Im finally back had some problems that i had to deal with andnow they are fixed so i'm back to working on our credit reports (mine and husband's)...Please read below and help me finish this letteras i'm not good at letters....And i know they are in voliation of something but i just cannot find it....Still looking thur the fcra and fdcpa.Transunion Po Box 2000Chester Pa 19022-2000To Whom It May ConcernBack in August of 2002, I had disputed a item with you , according to the investigation results dated 8-22-02 you claim that you were able to verfiy the entry on my report. I would like to know how this was done ? On Aug 10th I wrote a letter to the company and I mailed it certified on aug13th. On or about august 19th the letter was returned to me as not deliverable as addressed unable to forward. See enclosed copy….Now i'm stuck any help please? Link to comment Share on other sites More sharing options...
vonniegirl Posted October 6, 2002 Report Share Posted October 6, 2002 Life,Did you check the sample letters? Did you order Kristy's book or CD of sample letters? Is this the second letter to TU?There is a letter already for you to use in the sample letters above.Good luck! Link to comment Share on other sites More sharing options...
herauntsis Posted October 6, 2002 Report Share Posted October 6, 2002 Lisa, I will help you if you tell me what you are trying to accomplish. Do you want to redispute the item, or do you want to request a description of the procedures used to verify it, or what?Where did you get the address you used to write to the other company? Did you get it off your credit report? Link to comment Share on other sites More sharing options...
life Posted October 7, 2002 Author Report Share Posted October 7, 2002 I want to do both --i would like to know how in the hell they were able to verfiy this --since i got the address directly from T.u. If my letter came back how were they able to verfiy. I live about 1/2 away from the city that i mailed the letter to so the other day i visited the po office t.u gave me both a po box number and a street number the po told me that the compnay no longer has the po box so i drove by the street and at that adress is a office complex so i stopped in and when to the main desk to check in and i was told by security that the compnayis nolonger there no forwarding adress was left at the po or the office bldg....I also checked with the local phone company and they have no phone number for them eiterh Link to comment Share on other sites More sharing options...
herauntsis Posted October 7, 2002 Report Share Posted October 7, 2002 Ok, Lisa, here is my best shot at this:Transunion Po Box 2000Chester Pa 19022-2000Re: Report #XXXXXXXXCheatem and Steal, account #XXXXXXTo Whom It May ConcernBack in August of 2002, I disputed this item with you; according to the investigation results dated 8-22-02 you claim that you were able to verify the entry on my report. I would like to know how this was done, since on August 13, 2002, I mailed a certified letter to Cheatem and Steal, using the address provided by you on my credit report, and that letter was returned to me as not "deliverable as addressed, unable to forward." I subsequently visited both the post office serving the P.O. Box address that you gave me, and the physical address that you gave me. The company no longer has that P.O. Box, is no longer located at that physical address, and left no forwarding address in either place. I find it interesting that you were able to verify information with a company that has effectively disappeared. You are in violation of the FCRA: either you didn't actually verify this item as you claim to have done, or you provided me with what you knew to be incorrect information when you gave me their addresses.As is my right under the FCRA, I am formally requesting a description of the procedures you used to verify this item, including but not limited to the name, address, and phone number of the person with whom you verified it. As per the FCRA, you have 15 days to comply.Bite me, (lol)Liferoots Link to comment Share on other sites More sharing options...
life Posted October 8, 2002 Author Report Share Posted October 8, 2002 Thank you very much -letter going out later today, Link to comment Share on other sites More sharing options...
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