Verified Dispute, phone number missing now what?

[SickofmyFico]

I have disputed TL's on my report and have received a "verified" response, so I followed the post on CIC to call the OC to see if they were asked to verify info from the CRA.

I noticed there was no phone number on the dispute response and the post said "your done lucky dog", is that because there is no phone number.

What is my next step, I was unable to find any further info if there is no phone number to call. Is this a violation under section 609?

thanks for the response, the process is working and TL's are coming off with the first round.

[BV80]

I have disputed TL's on my report and have received a "verified" response, so I followed the post on CIC to call the OC to see if they were asked to verify info from the CRA.

I noticed there was no phone number on the dispute response and the post said "your done lucky dog", is that because there is no phone number.

What is my next step, I was unable to find any further info if there is no phone number to call. Is this a violation under section 609?

thanks for the response, the process is working and TL's are coming off with the first round.

Send a letter CMRRR.

[SickofmyFico]

So do I send a letter asking for removal for failure provide adequate disclosures with the response under FCRA section 609...? Do I ask for deletion because of the noncompliance to the FCRA?

Thank you

[BV80]

You stated that the TL is from the OC. May I ask why you're disputing? Are they reporting inaccurate information?

[SickofmyFico]

My dispute of "not mine", was with the CRA and they verified the information. I contacted the OC to see if the CRA had in fact asked them for a verification, they did not.

In the CIC Method of Verification, The Method item "2. If verified, with a copy of the investigation result in hand, call the CRA at the toll-free number listed at the top of the report. (If not, you're done, you lucky dog!)"

This reference to not having the toll-free number listed on the documents which I received for the verified item, leads me to believe that the CRA has not fully complied with their documentation requirements. So if this is the case, what will I send to the CRA to have the item deleted?? Is there a code reference and letter to send to them to have the TL removed? I thought that "your done" was a CRA error which i could capitalize on by having the item removed.

Thank you,

[BV80]

My dispute of "not mine", was with the CRA and they verified the information. I contacted the OC to see if the CRA had in fact asked them for a verification, they did not.

In the CIC Method of Verification, The Method item "2. If verified, with a copy of the investigation result in hand, call the CRA at the toll-free number listed at the top of the report. (If not, you're done, you lucky dog!)"

This reference to not having the toll-free number listed on the documents which I received for the verified item, leads me to believe that the CRA has not fully complied with their documentation requirements. So if this is the case, what will I send to the CRA to have the item deleted?? Is there a code reference and letter to send to them to have the TL removed? I thought that "your done" was a CRA error which i could capitalize on by having the item removed.

Thank you,

This is a new one for me. According to the FCRA § 611(a)(2), the CRAs are supposed to contact the furnisher of information about a dispute. If the OC told you that the CRAs did not contact them, if it were me, I'd get it in writing and send a copy to the CRAs. I'd give them another chance to conduct a reasonable investigation.

Does the OC's TL state that the item was disputed?

I'm not sure that not providing a toll-free number would be considered a violation. If you have an address, you can contact them.

Also, if the TL truly isn't yours, and it's not removed, I'd contact an attorney.