kgreen Posted December 4, 2004 Report Share Posted December 4, 2004 I sent a letter to TransUnion requesting that a list of errors on my report be removed.The letter I got back stated that in response to my request: "Verification Documents not Available."The letter went on to state: "We store information oin our records as it is supplied to us by creditors. When information is disputed, we are required to investigate and record the current status of the information. We do not provide dispute verification responses received from creditors. If you need to obtain documentation or written verification concerning your accounts, then please contact your creditors directly."What does this response mean? Link to comment Share on other sites More sharing options...
willingtocope Posted December 5, 2004 Report Share Posted December 5, 2004 Basically they're telling you that from what they read in your letter, you were asking them to provide documentation that the debts were corrrect. CRAs don't do that...you send them a letter saying "I dispute this"...they send a letter to the creditor or collection agency asking "is this correct"...the creditor send them data that says "yes or no".Normally, you begin this whole process by sending the creditor a letter saying "validate that this is my debt, the amount is correct, you have the right to collect in my state, etc...". Did I understand your question correctly? Link to comment Share on other sites More sharing options...
kgreen Posted December 7, 2004 Author Report Share Posted December 7, 2004 I did not ask them to verify the debt. I told them that the debts were paid in full that they have listed. So aren't they supposed to ask the creditor if this is the case? Link to comment Share on other sites More sharing options...
willingtocope Posted December 7, 2004 Report Share Posted December 7, 2004 Yep, that's what's supposed to happen. You can see the actual law under the FCRA at the top of the page...http://www.creditinfocenter.com/legal/FCRA.shtml#611I beleive your next step is to send them a "procedural request" letter that asks them how the verified the debt in question.On the other hand, if you have written proof that the debts are paid in full, then you might send them another letter (CMRRR of course) pointing out that they are knowing reporting incorrect information and you may ve forced to sue if they don't correct their records. Link to comment Share on other sites More sharing options...
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