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TU's response to a MOV......


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I disputed BK info on my report and it came back verified. I sent TU a request for MOV and they responded with:

1) "this Bk was already disputed...."

I didn't ask for the item to be re-disputed!

2) "verification documents not available...we do not provide dispute verification responses received from creditors...."

I asked for MOV and this is what they sent!

3) "general policy.....TU's procedure is to contact by mail, electronic means or phone......

Is this sufficient for a complete MOV??? I need to know what my next step should be.

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I asked Experian for MOV on disputed addresses and they sent me a letter explaining what they do when I dispute something--they ask the creditor.

Makes sense.

1) A creditor makes a mistake reporting your information.

2) You dispute it, because you know it's wrong.

3) They ask the creditor.

4) Creditor reiterates the exact same mistake.

5) Mistake remains on your report because creditor says so.

Very efficient way of verifying information, isn't it? Just ask the person who made the mistake, and wait for them to regurgitate back the same erroneous information they gave the first time. That proves it's correct!!

I'm going to try this in my daily life:

1) I rob a bank, and deny doing it.

2) Bank manager has me arrested, says he saw me do it.

3) Police ask me if I did it.

4) I reiterate the exact same denial.

5) Police set me free because I said so.

Come to think of it, I sort of like this whole verification process!

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I asked Experian for MOV on disputed addresses and they sent me a letter explaining what they do when I dispute something--they ask the creditor.

Makes sense.

1) A creditor makes a mistake reporting your information.

2) You dispute it, because you know it's wrong.

3) They ask the creditor.

4) Creditor reiterates the exact same mistake.

5) Mistake remains on your report because creditor says so.

Very efficient way of verifying information, isn't it? Just ask the person who made the mistake, and wait for them to regurgitate back the same erroneous information they gave the first time. That proves it's correct!!

I'm going to try this in my daily life:

1) I rob a bank, and deny doing it.

2) Bank manager has me arrested, says he saw me do it.

3) Police ask me if I did it.

4) I reiterate the exact same denial.

5) Police set me free because I said so.

Come to think of it, I sort of like this whole verification process!

what are they supposed to supply me with when asking for MOV? TU is a joke too, just like XPN.

Perhaps they only respond to legal action.....

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