credit-nightmare Posted May 3, 2005 Report Share Posted May 3, 2005 I sent out two MOV letters for an Paid , settled account I disputed as not mine , that Exp verified. I sent the first MOV letter , waited the 15 days + mail time after they recieved it ......no response from them . So I sent out the second MOV letter and included a copy of my first letter and reciepts and stated that if they cant provide MOV they need to delete the account , they have 15 days to respond.I have not heard anything from them and its been just a day shy of the 15 + 5 days time limit on the second round of MOV . So what is my next step. Do I wait a while and send another MOV and demand if they dont respond they have to delete account ? Or since I have sent two consecutive MOV letters already , do I just send a letter stating they failed to respond to MOV so I want the account removed from my CR ?What would be best ? Thanks... Link to comment Share on other sites More sharing options...
kylemac Posted May 3, 2005 Report Share Posted May 3, 2005 If I recall, MOV letters have no timeline for return contact.I may be wrong....Only DV letters have timelines.... I would telephone the credit agency and see what its intentions are.Worked for me with a DV letter a few weeks back. Link to comment Share on other sites More sharing options...
breathing_easier Posted May 3, 2005 Report Share Posted May 3, 2005 If I recall, MOV letters have no timeline for return contact.I may be wrong....Yes, MOV letters must be responded to within 15 days:http://www.creditinfocenter.com/repair/MethodOfVerification.shtmlOnly DV letters have timelines....No, dispute letters to the CRAs have a response deadline of 30 days. Debt validation (DV) letters to a CA have no response deadline. They just can't continue collection activity until they do validate, and they can't verify the account with a CRA if they haven't validated. credit-nightmare: Two MOV letters is sufficient. Now demand deletion of the TL. Link to comment Share on other sites More sharing options...
credit-nightmare Posted May 3, 2005 Author Report Share Posted May 3, 2005 Is there a specific part of the law I should include in my next letter ? Or is just sending copies of my other letters along with the demand to delete the TL sufficent ? Thanks. Link to comment Share on other sites More sharing options...
breathing_easier Posted May 3, 2005 Report Share Posted May 3, 2005 This comes from the "Method of Verification" link, above:If they [CRA] refuse [to delete], inform them you will sue for willful non-compliance under section FCRA § 616. If they still refuse, send the information via certified letter along with an intent to sue letter. If not, they will give you a new confirmation number (write it down! and the date!). This acts as a new investigation, and the CRA has 30 days to get back to you. Link to comment Share on other sites More sharing options...
credit-nightmare Posted May 4, 2005 Author Report Share Posted May 4, 2005 Thank YOu Link to comment Share on other sites More sharing options...
Recommended Posts