wzelewsky Posted March 30, 2007 Report Share Posted March 30, 2007 I just got off the phone with a guy from TU, he insisted that he can not send me what was sent to the CAs or COs and that it is against there policy to let us see what was sent? Can they do that? I told him I want to know who they talk to and how they talked to them. He told me he can send me a copy of something they use to contact the CAs or COs. And that they use a data base to contact these people. Something that starts with E something. How can they do this.. They say its verified on my husband CR but the amount is wrong according to the CA. GRRRRRRR Link to comment Share on other sites More sharing options...
GucciMark Posted March 30, 2007 Report Share Posted March 30, 2007 Eoscar is what you are talking about, I think it's an automatedresponse service.Did you try the Primer?link here:http://www.debt-consolidation-credit-repair-service.com/forums/showthread.php?t=263069There is some discrepancy as to whether you can DV past the 30 day point...I hope this will clear things up....The FCRA 623(a)(3) applies and it doesn't matter how old the debt is.This is the law that saves a lot of people who forgot to dispute in the 30 day period.layman terms:The FCRA 623(a)(3)states it is the duty of the furnisher(in this case the CA)to provide accurate information to the CRAs,thus if you are disputing the information of a furnisher(the debt you have with a CA) ,the furnisher (CA) mustreport to the CRA that the information is in dispute.There is no mention of a time limit that a person can dispute the information,it just states that if the consumer disputes the information then the furnisher has to report that.If the CA reports your debt (to the CRA) as "verified" instead of "disputed", they are in violation of the law.actual wording....FCRA 623(a)(3): Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.divemedic suggests you dv and dispute a few times to rack up several violations. Link to comment Share on other sites More sharing options...
wzelewsky Posted March 31, 2007 Author Report Share Posted March 31, 2007 CA says its one amount but the bill they sent says 10.00 less.. How do I get the CA to send me the amount they are stating is owed Link to comment Share on other sites More sharing options...
myscoresawful Posted March 31, 2007 Report Share Posted March 31, 2007 Eoscar is what you are talking about, I think it's an automatedresponse service.Did you try the Primer?link here:http://www.debt-consolidation-credit-repair-service.com/forums/showthread.php?t=263069There is some discrepancy as to whether you can DV past the 30 day point...I hope this will clear things up....The FCRA 623(a)(3) applies and it doesn't matter how old the debt is.This is the law that saves a lot of people who forgot to dispute in the 30 day period.layman terms:The FCRA 623(a)(3)states it is the duty of the furnisher(in this case the CA)to provide accurate information to the CRAs,thus if you are disputing the information of a furnisher(the debt you have with a CA) ,the furnisher (CA) mustreport to the CRA that the information is in dispute.There is no mention of a time limit that a person can dispute the information,it just states that if the consumer disputes the information then the furnisher has to report that.If the CA reports your debt (to the CRA) as "verified" instead of "disputed", they are in violation of the law.actual wording....FCRA 623(a)(3): Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.divemedic suggests you dv and dispute a few times to rack up several violations.This helps quite a lot. The area that I am still foggy in, is this: How can we be sure that what they are reporting is accurate? If they do not *have* to answer to the DV after the first 30 days, then it is our word against theirs that they are verifying accurately to our disputes to the CRAs.I am working on a couple of them right now that I am positive are not accurate. I DV, no reply...disputed with EQ..came back "verified, meets requirements.." What do I have to do to make them prove or remove the collection? Link to comment Share on other sites More sharing options...
stancil1 Posted March 31, 2007 Report Share Posted March 31, 2007 You might try this, it's worked for me twice.USPS Certified Mail Return Reciept# xxxxxxxxxxxxxxxxxxxDate Your NameaddressCity, State ZipCollection AgencyAddressCity, State ZipRe: Acct # 0000-0000-0000-0000Dear Name of CA:As I have not heard back from you in over 60 days, regarding my demand for proof, since my notice of dispute dated January 9, 2007 and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens (Mo) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine.For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information:1) Please evidence your authorization under 15 USC 1692 (e) and 15 USC 1692 (f) in this alleged matter.2) What is your authorization of law for your collection of information?3) What is your authorization of law for your collection of this alleged debt?4) Please evidence your authorization to do business or operate in the state of Texas.5) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.You have 15 days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter(s) in error, and that this matter is permanently closed.Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act.Failure to respond within 15 days of receipt of this registered letter (with return receipt) will begin my small claims action against your company. I will be seeking $5,000 in damages for the following:1) Defamation2) Negligent Enablement of Identity Fraud3) Violation of the Fair Credit Reporting Act4) Violation of the FDCPA5) Violation of the TDCAAfter obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriff's office in your county and I will begin the process of attaching property or funds to satisfy the judgment.For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.Witness My Hand and Seal this 9th day of January 2007.Your Name Link to comment Share on other sites More sharing options...
stancil1 Posted March 31, 2007 Report Share Posted March 31, 2007 Both of the deletes that I got from using this were from CA's that DID respond to my untimely DV's. I just waited and sent them anyway. Both TL's were past SOL. Link to comment Share on other sites More sharing options...
someonesomewhere Posted April 1, 2007 Report Share Posted April 1, 2007 You can also use a more streamlined DV letter."I recently pulled a copy of my credit report, and I noticed you are reporting that I owe you a debt. In accordance with my rights under the FDCPA, I request that you validate this debt."Nutcase letters seem to get ignored.http://www.debt-consolidation-credit-repair-service.com/forums/showpost.php?p=716400&postcount=1 Link to comment Share on other sites More sharing options...
Ahntara Posted April 1, 2007 Report Share Posted April 1, 2007 "...Nutcase letters seem to get ignored...""...use a more streamlined DV letter..."Keep it simple. Link to comment Share on other sites More sharing options...
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