deeone75 Posted November 1, 2007 Report Share Posted November 1, 2007 Hi all,For the past year, I have been trying to dispute a bankrupcty that does not even belong. I get the same exact credit report back month after month stating they verified this bankruptcy to be mine with a verification date of September 2006 (to me this means they did not do any further investigation) after this date. So another wards, the last 12 dispute letters were never looked at. Any suggestions from anyone with the same problem. This is only reporting on Experian. Thanks!!Dee Link to comment Share on other sites More sharing options...
deeone75 Posted November 1, 2007 Author Report Share Posted November 1, 2007 Hi all,For the past year, I have been trying to dispute a bankrupcty that does not even belong. I get the same exact credit report back month after month stating they verified this bankruptcy to be mine with a verification date of September 2006 (to me this means they did not do any further investigation) after this date. So another wards, the last 12 dispute letters were never looked at. Any suggestions from anyone with the same problem? This is only reporting on Experian. Thanks!!Dee Link to comment Share on other sites More sharing options...
BLUTISH Posted November 1, 2007 Report Share Posted November 1, 2007 Try sending the good old "MOV" letter. I has worked for me on different accounts (not BK). Good Luck!Blutish Link to comment Share on other sites More sharing options...
sgip2000 Posted November 1, 2007 Report Share Posted November 1, 2007 Experian is a bunch of b@$tards! Link to comment Share on other sites More sharing options...
Amerikaner83 Posted November 2, 2007 Report Share Posted November 2, 2007 All MOV will do is nothing.They'll just tell you to call your creditor.Merkurfan had a great post, I have to find it. It's basically along the lines of send EX an ITS. Why? Find the area in teh FCRA where they can tell you "we already verified". It's not there. They have to verify again and again, or else call it frivolous. Since they DID NOT verify within 30 days or anything, you can sue them under the FCRA. That might shake out your deletion Link to comment Share on other sites More sharing options...
bigjohnstud4200 Posted November 2, 2007 Report Share Posted November 2, 2007 All MOV will do is nothing.They'll just tell you to call your creditor.Merkurfan had a great post, I have to find it. It's basically along the lines of send EX an ITS. Why? Find the area in teh FCRA where they can tell you "we already verified". It's not there. They have to verify again and again, or else call it frivolous. Since they DID NOT verify within 30 days or anything, you can sue them under the FCRA. That might shake out your deletionYep, they most notify you of a "frivolous" claim if they aren't going to investigate again. Link to comment Share on other sites More sharing options...
Textoy Posted November 2, 2007 Report Share Posted November 2, 2007 If you haven't purchased the book Good Credit is Sexy, you need to. Turn to page 20 and read about Dolan Media. THe book says they supply the public record information for the big 3 and are subject to disputes and all laws under the FCRA. This could be the root cause (data furnisher) to your problem. I suggest you buy the book. Link to comment Share on other sites More sharing options...
ABaldbrotha Posted November 2, 2007 Report Share Posted November 2, 2007 (edited) I was wondering about this too. You people are smart and informed.:I think this is the section of the FCRA you are talking about:? 611. Procedure in case of disputed accuracy [15 U.S.C. ? 1681i](a) Reinvestigations of disputed information. (1) Reinvestigation required. (A) In general. Subject to subsection (f), if the completeness or accuracy of any item of information contained in a consumer's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph (5), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( Extension of period to reinvestigate. Except as provided in subparagraph ©, the 30-day period described in subparagraph (A) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. © Limitations on extension of period to reinvestigate. Subparagraph ( shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph (A), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information cannot be verified. (2) Prompt notice of dispute to furnisher of information. (A) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or reseller in accordance with paragraph (1), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( Provision of other information from consumer or the reseller. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer after the period referred to in subparagraph (A) and before the end of the period referred to in paragraph (1)(A). (3) Determination that dispute is frivolous or irrelevant. (A) In general. Notwithstanding paragraph (1), a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( Notice of determination. Upon making any determination in accordance with subparagraph (A) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. © Contents of notice. A notice under subparagraph ( shall include (i) the reasons for the determination under subparagraph (A); and (ii) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information. (4) Consideration of consumer information. In conducting any reinvestigation under paragraph (1) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph (1)(A) with respect to such disputed information. (5) Treatment of inaccurate or unverifiable information. (A) In general. If, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shall--(i) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and(ii) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.Thank you for this, I just got new ammo.________Lovely Wendie Edited May 15, 2011 by ABaldbrotha Link to comment Share on other sites More sharing options...
par Posted November 2, 2007 Report Share Posted November 2, 2007 1-get some type of certified copy/ prrof that it is not yours.2-Then file with FTC or BBB. Link to comment Share on other sites More sharing options...
Amerikaner83 Posted November 3, 2007 Report Share Posted November 3, 2007 yup, that's it. Link to comment Share on other sites More sharing options...
merkurfan Posted November 3, 2007 Report Share Posted November 3, 2007 it's near impossiable to get proof a PR is not yours. The courts can not give you information about a PR that is someone elses, and they won't give you something that says what the CRA is reporting is wrong. Your going to have to go after EX with a lawyer or at least a lawsuit. Check with a local NACA lawyer to see what your options are. If they have really been blowing you off since 06 there will be heck to pay.. well, you to pay. Link to comment Share on other sites More sharing options...
LNY Posted November 3, 2007 Report Share Posted November 3, 2007 Duplicate thread posted in another forum merged with this one. Link to comment Share on other sites More sharing options...
sgip2000 Posted November 9, 2007 Report Share Posted November 9, 2007 it's near impossiable to get proof a PR is not yours. The courts can not give you information about a PR that is someone elses, and they won't give you something that says what the CRA is reporting is wrong. Your going to have to go after EX with a lawyer or at least a lawsuit. Check with a local NACA lawyer to see what your options are. If they have really been blowing you off since 06 there will be heck to pay.. well, you to pay.Actually, the whole idea behind a Public Record is that it is available to the public. All you have to do is take the case number and look the case up with the court database. Federal has an online database(Pacer). Try a search for it. You should be able to print the file from the database. Link to comment Share on other sites More sharing options...
merkurfan Posted November 9, 2007 Report Share Posted November 9, 2007 ok, off topic, and highjacking.. I got a pacer account, searched my name, nothing, tried to search via case number, and the numbers are all invalid. serched my name with no middle name got nothing. I won't do a search by just last name because there is 150 pages of people with my last name in the phone book and at .08 a pop, well.. it could get spendy. Does this mean that ALL my PR's don't exist? Link to comment Share on other sites More sharing options...
sgip2000 Posted November 9, 2007 Report Share Posted November 9, 2007 I believe the Pacer system is only for Federal cases. Link to comment Share on other sites More sharing options...
par Posted November 11, 2007 Report Share Posted November 11, 2007 Op: did they give the BK #? If not try to ask for it. Link to comment Share on other sites More sharing options...
LadynRed Posted November 11, 2007 Report Share Posted November 11, 2007 I believe the Pacer system is only for Federal cases.No it isn't, cases filed in state or district courts will also show in PACER Link to comment Share on other sites More sharing options...
sgip2000 Posted November 12, 2007 Report Share Posted November 12, 2007 No it isn't, cases filed in state or district courts will also show in PACER Cool, thanks for the info. Link to comment Share on other sites More sharing options...
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