shafted Posted February 8, 2005 Report Share Posted February 8, 2005 Ok, what is the next step.. I write TU and ask for method of verification? I sent a proper DV letter inside the 30 day window CMRRR to the CA and got the green cards back. I have not heard squat from the CA yet. I need to get this off my CR ASAP. The CA is not reporting debt as disputed on my CR. Im not afraid to sue, just want to take the right path. The total value is only $203, not an amount anyone would want to show up in court for. I even called the OC they say they have no information to send me, its too old. Any one have a method of verification letter? Also, have not heard back from EQ yet. What should I expect from a method of verification letter to the CRA? Link to comment Share on other sites More sharing options...
DocDon Posted February 8, 2005 Report Share Posted February 8, 2005 You disputed this, and they verified with TU? Link to comment Share on other sites More sharing options...
shafted Posted February 8, 2005 Author Report Share Posted February 8, 2005 Thats correct doc don, or so TU says. . I sent the DV 5 days after the first contact with the CA. I got the green card back signed January 20th. The report from TU says verified as of 2/2/05. I have not heard from the CA yet. How can TU report verified when the collection agency has not verified with me first or sent me any information on the debt? Its not even showing up as disputed.(I reside in the state of marlyand) Link to comment Share on other sites More sharing options...
DocDon Posted February 8, 2005 Report Share Posted February 8, 2005 I think it's less a matter of a procedural request (since none of the CRA's properly respond to the requests), as it is a violation on the part of the CA to verify the validity of the debt (continued collection activity without furnishing proper validation) and not listing the account as "in dispute".I think you would be best served going after the CA. Link to comment Share on other sites More sharing options...
shafted Posted February 8, 2005 Author Report Share Posted February 8, 2005 Should I request method of verification from the credit reporting agency?By the way, thanks for all your assistance.. Im very greatful. Link to comment Share on other sites More sharing options...
DocDon Posted February 8, 2005 Report Share Posted February 8, 2005 You can, but they won't respond to it. They send out generic statements in lieu of proper responses to PR's. Link to comment Share on other sites More sharing options...
c m chase Posted February 8, 2005 Report Share Posted February 8, 2005 This is true....but you should do it anyway. That way you have a paper trail if you even have to take anything to court. Link to comment Share on other sites More sharing options...
shafted Posted February 8, 2005 Author Report Share Posted February 8, 2005 So right now I have the CA one violation or two? #1 they did not report disputed, #2 they verified to a credit reporting agency with out validating the debt to me first? Link to comment Share on other sites More sharing options...
shafted Posted February 8, 2005 Author Report Share Posted February 8, 2005 Ok, so do use CMRRR to request method of verification? Also, when should I send the second letter to the CA asking for removal? Any one got a copy of a good second letter that lets the CA know I mean business? Link to comment Share on other sites More sharing options...
DocDon Posted February 8, 2005 Report Share Posted February 8, 2005 Yes, that would be two violations.Don't waste your money on CMRRR unless you plan to sue the CRA. They'll send you the same generic letter they send to anyone who does a RP. No worries there.Click on "Sample Letters" above. Link to comment Share on other sites More sharing options...
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