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Okay i had a charge off from the gas card and a collection account... i paid the ca in april....

blah blah

i wrote d/v letters to both (even the oc to figure out if this really was mine, i don't know if i had a gas card ever)

Both were returned to me [wrong address]so i figured that the CRA's would not be able to verify PLUS I faxed over a letter from the original creditor requesting removal. this was a letter that was a confirmation letting me know that the request to the credit bureaus was made...

EXPERIAN VERIFIED THESE TWO ACCOUNTS AND UPDATED THEM AS PAID!!!!!!!!!!!!!!!!!!!!!!!!!!!!! i am sooo pissed. now my expierian score is a whopping 610 thanks to the now paid collection

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§ 611. Procedure in case of disputed accuracy [15 U.S.C. § 1681i]

(a) Reinvestigations of disputed information.

(6) Notice of results of reinvestigation.

(iii) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available;

the...Not any, some or most. THE information that was disputed.

any... it stands to reason if you are disputing an item on your report that they have to tell you about ANY furnsiher of information. Furnisher can be the person or the corporate entity.

The spirit of this law is that they will actually call outside of standard business and ask someone there. It never happens. This is instant delete material.

Basically, all they're doing is looking at the information usually provided by the furnisher and saying, yep, looks like him.

So... If they do not provide with requested information, you have grounds for violation of the FCRA, plain and simple. Send a procedural investigation request. Most times they will not send a name and phone number. That is because they are validating with a tape. If they are doing that, they need to disclose that is how they are doing it. Have you ever read or heard about anyone here getting a PI letter answer and them saying it was verified with tape. I haven't. Your post helped me think this through, also ADSOFT and a little research. This is the posture I think needs to be taken when dealing with items that are deleted on one CRA report but verified on another.

Good Luck

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<blockquote>Originally posted by Idon'tpay

thank you for that, your input is truely appreciated, and I will definitely follow up on this. Can you give me a direct for the IP letter?


There is not one that exists here unless buried in posts. I am in process of putting one together and will post for feedback.

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I got a verified as well, thru EX, and the OC refuses to verify anything (says they no longer own the account), and EX says they dont have to, cause it was charged off and sold, BUT.........the account was PAID, but "appears" as an open account.ie Charged Off; Sold :mad: :mad:

[Edit by Waxworks on Thursday, May 29, 2003 @ 09:42 PM]

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