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Hyper

Request to provide Method of Verification

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So i sent three letters to the big 3 over the past few months and never received the actual MOV i had asked for in the letters they sent back, just copies of my credit reports with the items listed as "verified."

The first letter - "dispute the following inaccurate and incomplete credit information" in the letter i stated "description of the procedure used to determine the accuracy and completeness of the information is also being requested" 

The second letter - "Request to provide Method of Verification - Formal request .

Third letter - “NOTICE OF INTENT TO FILE COMPLAINT AND CIVIC ACTION. - This letter shall serve as formal Notice of my Intent to file a Complaint with the FTC, The Texas Attorney general’s office, the Better Business Bureau and file civil action due to your blatant disregard of the law.  As indicated by the attached copies of letters and mailing receipts, you were delivered by registered mail a dispute letter that included a request for a description of the procedure used to determine the accuracy and completeness of the information, received by Experian on August 28th, 2018.  You had 45 days to respond with the requested information.  You were then delivered by registered mail a letter re-requesting a description of the procedure used to determine the accuracy and completeness of the information, received by Experian on November 27th, 2018.  You had 30 days to respond with the requested information. Bother letters went unanswered with the requested information.As of this moment, two times you have not done your duty mandated under the law, U.S. Code Title 15, Chapter 41, Subchapter III, Section 1681i, paragraph (6)(B)(III).  Your inaction in this matter is inexcusable, and your disregard for the law is contemptible.  Rest assured, I will hold you to account. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission (see 15 USC 41, et seq.). I have maintained careful record of my communications with you on this matter for the purpose of filing this complaint and I remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), you may be liable for your willful non-compliance.

I will settle and not file a complaint if the following actions are taken within 30 days.  Removal of the following accounts/statements from my credit history…

 The reinstatement of the following accounts, these accounts were asked to be verified for complete information and not removed.

You have 15 days from receipt of this letter to compete the requested actions above or I will move forward with filing the formal complaint with the FTC, the Texas Attorney general’s office and the Better Business Bureau.  Furthermore, this ordeal has caused me financial and emotional trauma and I intend to seek redress in civil action, for recovery of both damages, costs, and attorney’s fees, should you continue in your deliberate obstruction of the law. For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under law from you.  Please have a letter sent to the address above with conformation when completed.  I hope that this can be resolved in a timely fashion. I look forward to hear from you."

all the same reseposes to each letter each time from All 3.  What should my next step be?

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5 minutes ago, Hyper said:

What should my next step be?

Didn't you just send them a 3rd (and highly unnecessary) letter detailing what you next steps would be?

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59 minutes ago, fisthardcheese said:

Didn't you just send them a 3rd (and highly unnecessary) letter detailing what you next steps would be?

you think it was unnecessary?  Should maybe I call them to ask to resolve before moving forward? 

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@Hyper

Was the disputed information incorrect?  If so, what exactly was incorrect?

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10 hours ago, Hyper said:

you think it was unnecessary? 

Yes, as evidenced by the fact it accomplished nothing. 

10 hours ago, Hyper said:

Should maybe I call them to ask to resolve before moving forward? 

Your last letter told them what your next steps would be. Why did you make those threats if you didn't intend to follow through? 

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23 hours ago, Hyper said:

you think it was unnecessary?  Should maybe I call them to ask to resolve before moving forward? 

I think you have sent 3 letters now asking them to resolve. 

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On 7/1/2019 at 3:29 AM, Hyper said:

The first letter - "dispute the following inaccurate and incomplete credit information" in the letter i stated "description of the procedure used to determine the accuracy and completeness of the information is also being requested" 

WHAT exactly did you dispute?  This is where your problem may start.  What consumers believe is not accurate often is. Start there and tell us what your dispute is.

On 7/1/2019 at 3:29 AM, Hyper said:

You had 45 days to respond with the requested information.

They are free to ignore your arbitrary deadlines.  Which they did. A big sign that the dispute may not be viable.

On 7/1/2019 at 3:29 AM, Hyper said:

You have 15 days from receipt of this letter to compete the requested actions above or I will move forward with filing the formal complaint with the FTC, the Texas Attorney general’s office and the Better Business Bureau.

Which you didn't do.  You made empty baseless threats and they called your bluff.

On 7/1/2019 at 3:29 AM, Hyper said:

What should my next step be?

Figuring out if you really have a violation or you misunderstood what and how tradelines can be reported.  If you do have a dispute then file the complaints.  You either put teeth behind your threats or live with the tradelines.

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