creditobsessed Posted November 29, 2004 Report Share Posted November 29, 2004 I sent requests to Trans Union and Equifax for their method of verification of some collection accounts on my report that I can not get deleted. Transunion sent me a vague letter that it is their policy to call or write to each creditor when a dispute is received, but nothing in the way of specifics for these 2 creditors. Equifax sent me a copy of my credit report.What type of verification proof should I receive, and what should I do now? Link to comment Share on other sites More sharing options...
miracle Posted November 30, 2004 Report Share Posted November 30, 2004 Have you sent DV letters to the CA's? If you haven't, i would try that as well.As far as the CRA's go.. Keep creating the paper trail. Do one more procedual request requesting the specific info you want (addresses, names etc) . They won't reply, demand deletion. They probably won't delete, take em to court. Link to comment Share on other sites More sharing options...
creditobsessed Posted December 1, 2004 Author Report Share Posted December 1, 2004 I have sent DV letters. My first one went out about 55 days ago, and my second one went out about 20 days ago. I've been following the debt validation flow chart and have created quite a paper trail, but the CA keeps verifying with the CRA every time I dispute it. I have the CA on multiple violations, and would like to sue them. I need the method of verification from the CRA's to help strengthen my case. I woul like the proof that the CA actually verified the item. My understanding of the FCRA is that if requested the CRA should provide me with the name and contact information of the person they verified the information with. Am I correct? Should I send another letter to the CRA's (in this case it is TU and EQ) stating that their MOV is not acceptable?Thanks for the help! Link to comment Share on other sites More sharing options...
miracle Posted December 1, 2004 Report Share Posted December 1, 2004 They are SUPPOSED to, but we all know that what they actually do and what they are supposed to do are two different things. I would send another letter to the CRA saying MOV unacceptable. They probably still won't reply but it will strengthen your case overall. Most likely you will have to threaten both, but it will probably be more fun to clean the floor with the CA (in my opinion). You can give the CA a letter showing their violations and let them know if they don't delete that you intend to file suit. Get all that documented, hopefully they will give in and then go after the CRA if they don't comply... Link to comment Share on other sites More sharing options...
Perky Posted January 6, 2005 Report Share Posted January 6, 2005 Would like to know how to get this flow chart that you speak of. Have not gone this route yet but I am sure I will have to.ThanksPerky Link to comment Share on other sites More sharing options...
creditobsessed Posted January 10, 2005 Author Report Share Posted January 10, 2005 The flow chart is a sticky under the "While you are in Debt validation Q & A". I found it to be helpful.Good Luck! Link to comment Share on other sites More sharing options...
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