serenity06 Posted March 22, 2007 Report Share Posted March 22, 2007 I just received an email about an account that I disputed and it will still remain, of course. But check this out. This is the statement I got when they say is it verified. Please pay close attention to the underlined part. When you question information on your credit report and tell us specifically why you believe the information is inaccurate or incomplete, Experian contacts the source of the information directly by letter, telephone, or through an automated verification system. We ask the source to check their records to verify all of the information regarding the item you questioned, and report back to us within 30 days of the date that we received your request (21 days for Maine residents and 45 days if the investigation is on information in a free annual credit report). Once we receive their response, we will send you the results of the investigation. If we do not receive a response from the source within the required number of days, we will update the item as you have requested or delete the information, and we will send you the results. That means that the CRA may not have talked to a person. Am I correct? Anyway, what do I do from here? Do I do a MOV with the CRA or do a DV with the CA? Link to comment Share on other sites More sharing options...
thomassl Posted March 22, 2007 Report Share Posted March 22, 2007 I would definitely ask them their "MOV" on my particular debt! I don't want to know the various procedures you use to verify everybody...tell me how you verified "MY DEBT!!!!" I need to know who you talked to, a phone number, specifically how you verified this so I can utilize the same methods! I had an experience where they verified it with a telephone number which was not in service! I will never accept a "blanket" excuse for verification. Link to comment Share on other sites More sharing options...
serenity06 Posted March 22, 2007 Author Report Share Posted March 22, 2007 So you know exactly how I feel right. Do I need to send a letter or call? Link to comment Share on other sites More sharing options...
wzelewsky Posted March 22, 2007 Report Share Posted March 22, 2007 I sent a letter Certified to a CA that reported twice on CR. The accounts were the same and the address was the same. US CELLULAR turned the account over to a CA in which the CA agreed to reduce the amount so we paid it. That CA turned around and hired another CA (the same address) and was calling for the remaining balance owed. We didnt know at the time and paid it. Now I sent the same CA certified letters asking them to VD the debt to (for them to remove it.) AT ANYRATE, the letters were returned that the address is not correct. All tho that is the address that is on the CR. So what do I do with the letters that came back? Do I just toss them because I already paid the debt? Link to comment Share on other sites More sharing options...
jakescreek Posted March 22, 2007 Report Share Posted March 22, 2007 This happen to me.Call the CRA and ask for MOV. Also send a certifed letter to the CRA with the evidence that this is not your account. This can also include if the account was deleted by other CRAs (I know some people on this blog say this doesn't work but for me it did). Include in the letter a filled out copy of a Small Court Claims Court filing (these can be obtained at you local county court, just fill it out without actually submitting a lawsuit to the court). Include with it the letter stating that you will be forced to file the suit (I stated for $2000) reporting false information with out proper verification.Within two weeks they deleted the credit line and I received a personal letter from the attorney at TransUnion stating that it had been removed.This also provided be with an "in" at TransUnion as I called the attorney and personally thanked her. She was abit shocked that she was on the receiving end of a positive call from a customer. Since that time I have called her once more on another file and asked her if it was OK to work it out with her rather then theaten another lawsuit. I got that credit line deleted also.Best of Luck Link to comment Share on other sites More sharing options...
wzelewsky Posted March 22, 2007 Report Share Posted March 22, 2007 Im sorry I posted this under I guess the CRA, but this is actually about a CA. What do I do if it came back from the CA as address not deliverable. Should I find a way to contact them, also they were suppose to send a letter saying it was paid in full after originally paid what we thought was paid in full. I hope this makes sense. Link to comment Share on other sites More sharing options...
jakescreek Posted March 22, 2007 Report Share Posted March 22, 2007 Have you DV the CA with a certifed letter?Have you a response?If you already paid the CA (I can't tell from you posting) did you get something in writing?If the CA can't be found contact the OC and get a phone and address (If they ask tell them your being audited by the IRS)Call CA ask for records and address (Talk about nothing more). If they have them, send certified letter for DV. If they don't, get the persons name and contact CRAs with that info and MOV.If the records have been tarnsferred to another creditor, repeat above paragragh. Basically you've got to find out who has the records and who is dinging your credit. Usually they're the same, but sometimes they're not. Link to comment Share on other sites More sharing options...
wzelewsky Posted March 23, 2007 Report Share Posted March 23, 2007 I will, but the address's are the same for both CA. I thought that was against the and they could do that? Meaning, if they have the account and tell you to pay so much and the debt will be gone then they turn around and hire another company (which isnt another company, because its the same address) Then they called again to collect the remaining and they were suppose to send something in writing stating the debt was paid. I havent received anything from them. Link to comment Share on other sites More sharing options...
thomassl Posted March 23, 2007 Report Share Posted March 23, 2007 I will, but the address's are the same for both CA. I thought that was against the and they could do that? Meaning, if they have the account and tell you to pay so much and the debt will be gone then they turn around and hire another company (which isnt another company, because its the same address) Then they called again to collect the remaining and they were suppose to send something in writing stating the debt was paid. I havent received anything from them.I hope that when they told you this about payment, you have this in writing? Otherwise, they will come after you if there is a balance. I had a case where the CA was listed twice on my report with the same address and amount. Come to find out that they changed their names. It was a paid collection and I contacted them to have the one removed. I also made them feel bad about the fact that their reporting twice on my report hindered my credit and they removed both from my credit report! Always remember to get everything in writing "first" before handing over any money! Otherwise, you are screwed! Link to comment Share on other sites More sharing options...
wzelewsky Posted March 23, 2007 Report Share Posted March 23, 2007 I know I wont get the money back, and there was nothing in writing. After the last payment they were suppose to send us a letter with in 30 days and its been way over days, and the letters I have sent CMRRR came back as cant be delivered. SO Im out the money, but I thought I seen something some where saying its against the law for CA to collect and then hire (well them selves) to collect the rest. But I think you are saying if they never sent me anything in writing from the first CA Im out of luck, RIGHT? Link to comment Share on other sites More sharing options...
jakescreek Posted March 23, 2007 Report Share Posted March 23, 2007 I would DV the CA again, MOV the CRAs,In future, get everything in writing and send everything certified,You probably have no recourse at this point but that doesn't mean you can't minimize the damage,Lesson learned. Link to comment Share on other sites More sharing options...
wzelewsky Posted March 23, 2007 Report Share Posted March 23, 2007 Thank you will try Link to comment Share on other sites More sharing options...
billy99 Posted March 24, 2007 Report Share Posted March 24, 2007 This is an interesting thread, is it illegal for two ca's to report the same account. Would the time between the reporting make any difference. Link to comment Share on other sites More sharing options...
wzelewsky Posted March 26, 2007 Report Share Posted March 26, 2007 This is an interesting thread, is it illegal for two ca's to report the same account. Would the time between the reporting make any difference.I was wondering the same, I thought I read somewhere that cant do that Link to comment Share on other sites More sharing options...
divemedic Posted March 26, 2007 Report Share Posted March 26, 2007 search for the term "eoscar" to see why MOV does almost nothing for you Link to comment Share on other sites More sharing options...
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