Verification Docs not available???

[LayteBlooma]

Ok, I disputed several things with TU and recieved the following response on 4 different correspondances from them:

Thank you for contacting Transunion. Our goal is to maintain complete and accurate infomatin on consumer credit reports. We have provided the information below in response to your request.

Re: Verification documents not available:confused:

We store information in our records as it is supplied to us by creditors. When information is disputed, we are required to investigate and record the current status of the information. We do not provide dispute verification responses received from creditors. If you need to obtain documentation or written verification concerning your accounts, then please contact your creditors directly.

etc-call or contact us.

Ok, so if "verification documents are not available" isn't TU then obligated to remove the account in question from the report?

Please help, I'm reading fast and furiously, but very confused at times.

Thanks!

[YoUrFrIeNdMiKe]

never heard of that, does it say that they have concluded the investigations, or that they are still underway?

[Freak]

How was your dispute worded? Did you ask them for any supporting documents? If so, that is probably why you got that response. When disputing with a CRA, just dispute it, and give the reason. You have to go to the data furnisher for supporting information.

[LayteBlooma]

I listed the name and account # of creditor, then wrote the following:

I am distressed that you have included the below informtaion in myu credit profile and have failed to maintain reasonable procedures in your operation to assure maximum possible accuracy in the credit reports you publish.

Credit reporting laws ensure that bureaus report only 100% accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

"I respectfully request to be provided proof of this alleged item, specifically teh contract, not or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible."

Under federal law, you have 30 days to complete your re-investigation. Be advised that the descri[tion of the procedure used to determkine the accuracy and completeness of the informaiton is hereby requested as well, to be provided within 15 days of the completion of your re-investigation.

[LayteBlooma]

never heard of that, does it say that they have concluded the investigations, or that they are still underway?

It basically just sais that if there are any further questions to contact TU. What the heck?

571 TU

522 EX

592 EQ

Up from 491 back in February.

[YoUrFrIeNdMiKe]

what are you doing up ?

[YoUrFrIeNdMiKe]

that is weird too bec. they usually say to contact the OC with any questions. did they respond within 30 days and did you write a letter to them and mail it?

[Ahntara]

The CRA's are not required to maintain documentaton, just data. They do that electronically. That's what the reply they sent means..."We just have the DATA, not the docs which prove it".

"...specifically the contract, not..."(note) "...or other instrument bearing my signature..."

This is not required of most creditors duirng DV, much less the CRA's in response to a dispute or request for an investigation.

"...Failing that the item must be deleted..."

If only. This is not a requirment listed in the FCRA nor has it been established by case law.

"...if...isn't TU then obligated to remove..."

No. Not as long as the info they have has been verified by the Data Furnisher/creditor.

[Freak]

Late, you need to dispute your issues with the CRAs as not mine, incorrect dates, etc. Let the process play out. The CRA is not required to furnish you any documentation. That is what investigations and validations are for.

Since your reading everything, I would start with the stickies, and go from there.

[LayteBlooma]

ok, I get it- thanks!

[musiqdefunk]

That is correct that they do not have any documents to send to you but that shouldn't be the arguement; the arguement is the method of verification. You must write to them that you want the method of verification as such: the name, address and phone of the person they contacted to verify this account. Insert this in your letter to prove your statement-

FCRA section 611 (a)(2)(A)

(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 a 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.

Also check if they inserted in your credit report that the TL was disputed again that is something they must do under

Section 623(a)(3) of the FCRA, provides that if the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed by a consumer, the information must be noted as disputed.

One question is this an OC or CA because you can do some letters for them as well, specially if they did an investigation through database matching, which is also a violation. And if you need that I can help there as well..

As you can see I am a newbie as well and I am going through the same circumstances as you but I am taking a business law class where we have to create a case and I have used this to be my project. So I have had alot of time in the library and in class preparing my case in class as well as in real life. Hope this helps. If I am wrong in any of this-please chime in and let me know. Thank You!

[Moriah4]

That is correct that they do not have any documents to send to you but that shouldn't be the arguement; the arguement is the method of verification. You must write to them that you want the method of verification as such: the name, address and phone of the person they contacted to verify this account. Insert this in your letter to prove your statement-

FCRA section 611 (a)(2)(A)

(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 a 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.

Also check if they inserted in your credit report that the TL was disputed again that is something they must do under

Section 623(a)(3) of the FCRA, provides that if the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed by a consumer, the information must be noted as disputed.

One question is this an OC or CA because you can do some letters for them as well, specially if they did an investigation through database matching, which is also a violation. And if you need that I can help there as well..

As you can see I am a newbie as well and I am going through the same circumstances as you but I am taking a business law class where we have to create a case and I have used this to be my project. So I have had alot of time in the library and in class preparing my case in class as well as in real life. Hope this helps. If I am wrong in any of this-please chime in and let me know. Thank You!

This is suppose to be the case but Good Luck on getting it without a court order. I say this in all seriousness as I have tried. CRA's will not frunish this information to you without a court order.

Blessings

Moriah