NinoBrown Posted April 7, 2007 Report Share Posted April 7, 2007 Hello all,I sent a dispute letter to an OC asking them for proof that an account was mine (yes, after disputing with the CRAs) and they replied with a letter which stated the following:"Your request has been researched and we have determined that the information in question is being reported correctly. Thus, the information will continue to be reported and will not be changed."Aren't they required to show me proof as opposed to sending me this BS letter? Link to comment Share on other sites More sharing options...
UNCForest Posted April 7, 2007 Report Share Posted April 7, 2007 Again, im so new its not even funny, but...I thought DV letters were supposed to go to collection agencies, NOT the original creditor?Anyone? Link to comment Share on other sites More sharing options...
MadinKS Posted April 7, 2007 Report Share Posted April 7, 2007 Write them back and ask for the documentation they used to "determine that the information in question is being reported correctly". This is border-line because they did give you the result of the dispute though. Try a stern letter with the following statute from the FCRA. Could work.§ 623. Responsibilities of furnishers of information to consumer reporting agencies[15 U.S.C. § 1681s-2](8) Ability of Consumer to Dispute Information Directly with Furnisher(E) Duty of person after receiving notice of dispute. After receiving a notice ofdispute from a consumer pursuant to subparagraph (D), the person thatprovided the information in dispute to a consumer reporting agency shall--(i) conduct an investigation with respect to the disputed information;(ii) review all relevant information provided by the consumer with the notice;July 30, 2004 73(iii) complete such person's investigation of the dispute and report theresults of the investigation to the consumer before the expiration of theperiod under section 611(a)(1) within which a consumer reportingagency would be required to complete its action if the consumer hadelected to dispute the information under that section; and(iv) if the investigation finds that the information reported was inaccurate,promptly notify each consumer reporting agency to which the personfurnished the inaccurate information of that determination and provideto the agency any correction to that information that is necessary tomake the information provided by the person accurate. Link to comment Share on other sites More sharing options...
MadinKS Posted April 7, 2007 Report Share Posted April 7, 2007 UNCForest- He said he disputed with the OC. You're correct DV (Debt Validation) is for CA's. If you dispute directly with an OC it's basically like cutting out the middle man-the CRA. I sent a dispute letter to an OC asking them for proof that an account was mine Link to comment Share on other sites More sharing options...
SecretAgentWoman Posted April 8, 2007 Report Share Posted April 8, 2007 We need a flow chart for working with the OC as well. I, myself, (and I consider myself a smart cookie) made mistakes like this at the beginning of my credit repair efforts. Link to comment Share on other sites More sharing options...
divemedic Posted April 8, 2007 Report Share Posted April 8, 2007 Write them back and ask for the documentation they used to "determine that the information in question is being reported correctly". This is border-line because they did give you the result of the dispute though. Try a stern letter with the following statute from the FCRA. Could work.The problem is that private individuals can't enforce this part of the FCRA:© LIMITATION ON LIABILITY- Except as provided in section 621©(1)(, sections 616 and 617 do not apply to any violation of--(1) subsection (a) of this section, including any regulations issued thereunder; Link to comment Share on other sites More sharing options...
UNCForest Posted April 8, 2007 Report Share Posted April 8, 2007 oh, thanks! UNCForest- He said he disputed with the OC. You're correct DV (Debt Validation) is for CA's. If you dispute directly with an OC it's basically like cutting out the middle man-the CRA. Link to comment Share on other sites More sharing options...
maaj Posted April 12, 2007 Report Share Posted April 12, 2007 I have a few OC's whom I sent verification letters to. I got responses from them stating they could not locate the account that I had referenced and needed a whole account number and previous addresses. I know I should not give them this information because I am only giving them what information they have listed on my CR, but I am looking for the proper wording to let them know I know my rights and that they should remove these TL's if they can't verify. Anyone know where I can go? Thanks. Link to comment Share on other sites More sharing options...
someonesomewhere Posted April 12, 2007 Report Share Posted April 12, 2007 Here's the OC verification flowchart, of sorts.http://creditinfocenter.com/repair/DisputingWithOriginalCreditor.shtml Link to comment Share on other sites More sharing options...
maaj Posted April 12, 2007 Report Share Posted April 12, 2007 Thanks but after looking over that, it does not address my situation. So if anyone else knows where I could look I will take all suggestions!!!! Link to comment Share on other sites More sharing options...
someonesomewhere Posted April 12, 2007 Report Share Posted April 12, 2007 There isn't any "proper wording" to let an OC know that you know your rights, whatever that means.To restate the information in the link provided, when disputing with an OC you should dispute with the CRAs first. That addresses anyone's situation when dealing with an OC. Link to comment Share on other sites More sharing options...
maaj Posted April 12, 2007 Report Share Posted April 12, 2007 Thanks and after writing that last reply that is exactly what I did, which I have already done before so I will wait on the response to what I just did and then if that does not work I guess I will go the MOV route. Thanks. Link to comment Share on other sites More sharing options...
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