craftymom

Follow Up to Method of Verification

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In July I sent a method of verification to Experian.  It took them a couple of weeks to respond and when they did, they said a dispute was opened up.  I got results of dispute and the account was just updated.  Are they not supposed to send me how they verified in the first place?

Is there a follow-up letter to send?  

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On 8/31/2020 at 3:35 AM, craftymom said:

In July I sent a method of verification to Experian.  It took them a couple of weeks to respond and when they did, they said a dispute was opened up.  I got results of dispute and the account was just updated.  Are they not supposed to send me how they verified in the first place?

Is there a follow-up letter to send?  

If I am not mistaken, the credit bureaus don't have to receive anything more to validate the debt than what a debt collector would send to you in the initial letter they send. In other words it's not as if it's going to court and they have to prove the case up to the credit bureaus. What they need to prove a debt to a credit bureau as opposed to proving it to a court is far more relaxed. Continuing to dispute the debt with the credit bureau(s) will only get your disputes basically just ignored and treated as frivolous. You do know that you can dispute the debt directly with the creditor, or debt collector, right?

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