mdmont123 Posted January 10, 2007 Report Share Posted January 10, 2007 One of the items i keep disputing keeps coming back verified, and experian wont tell me how the OC verified the dispute, so should i send a DV letter personally to the OC??? Link to comment Share on other sites More sharing options...
elyse449 Posted January 10, 2007 Report Share Posted January 10, 2007 It's my understanding that OC's aren't bound by the same laws/regs that collection companies are, however-if you truly believe this account is not yours I would think you're well within your right to question it directly with them. In fact, I would've done that PRIOR to contacting the credit bureau's and disputing with them, but that's me. Good luck.Elyse Link to comment Share on other sites More sharing options...
sr28b Posted January 10, 2007 Report Share Posted January 10, 2007 One of the items i keep disputing keeps coming back verified, and experian wont tell me how the OC verified the dispute, so should i send a DV letter personally to the OC???DV is terminology on this site for dealing with collection agencies, but you can certainly dispute with the OC as well. Keep in mind that it's likely the only investigation that is being done by the CRA is through an automated system (two digit codes back and forth with the CRA and OC) and is cursory at best. If you dispute with the OC you may get them to do some research beyond the automated system. Link to comment Share on other sites More sharing options...
thomassl Posted January 10, 2007 Report Share Posted January 10, 2007 One of the items i keep disputing keeps coming back verified, and experian wont tell me how the OC verified the dispute, so should i send a DV letter personally to the OC???Have you sent a certified letter to the credit bureau asking them the "Method of Verification (MOV). There are sample letters you can send them in which they have to show how they obtained their information. Link to comment Share on other sites More sharing options...
mdmont123 Posted January 11, 2007 Author Report Share Posted January 11, 2007 no i haven't but i will do that soon, thanks everyone for your resonses in this matter.. Link to comment Share on other sites More sharing options...
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