VOD RESPONSE FROM TRANSUNION - HOW TO RESPOND?

Hey everyone. I received a letter from TransUnion today responding to my VOD letter that I posted on here last week. TU says Verfication Documents are Not Available and proceeds to say the following:



"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 concerniing your accounts, then please contact your creditors directly . . ."



OK . . . So what about my request to launch the re-investigation process? Do I need to send another letter to TU demanding VOD or are they still going to honor my initial VOD request?

[dashboy]

I sent you email with second letter reply.



dashboy

[Jerseee]

cute chick,



So what they are saying is that--they cannot verify the debt.



More important questions for you to think about:



How did they verify the alleged debt that they are reporting to the public?



How do they know that this is not a fraudulent debt entry?



Where do they get their information?



And finally....I love this one....



you will gladly investigate this alleged debt and doing such a thing constitutes a contract between you and TU as they have delegated their investigative authority to you in writing. Your fee for your investigative work is $10,000.00.



Since they are a reporting agency and an investigating agency they have the capacity to outsource their duties to agents. So respond as you wish--but I did this once and they started investigating and deleted some info!



I had their letter stating that I contact the creditor directly which gave me the authority in writing from TU to act as an investigator on their behalf.



More support to back this action from USC 15:



TITLE 15 > CHAPTER 41 > SUBCHAPTER III > § 1681e

§ 1681e. Compliance procedures



(b) Accuracy of report

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.



i think they have the right to have an agent do the investigation for them if they have already put it in writing authorizing you to do so.





I'm dirty ain't I? ;-)

[dimarco123]

After reading as much as possible from this board...BTW Great Board! I too, like you Cute Chick, am asserting my right to VOD and letter to CRA asking for verification. I believe that after I finally send out my Notice of Nonresponse to my creditor...I will also send a courtesy copy of VOD/N.R. to the CRAs showing that the debt must be discharged...and that by still showing it on my credit report even after the creditor has not verified to the alleged debtor with notary as witness, they will be liable for damages. It sounds like a plan...Jersee's VOD inspired me... But again, input from anyone here is always appreciated and respected. Thanks

Originally Posted by Jerseee

cute chick,



So what they are saying is that--they cannot verify the debt.



More important questions for you to think about:



How did they verify the alleged debt that they are reporting to the public?



How do they know that this is not a fraudulent debt entry?



Where do they get their information?



And finally....I love this one....



you will gladly investigate this alleged debt and doing such a thing constitutes a contract between you and TU as they have delegated their investigative authority to you in writing. Your fee for your investigative work is $10,000.00.



Since they are a reporting agency and an investigating agency they have the capacity to outsource their duties to agents. So respond as you wish--but I did this once and they started investigating and deleted some info!



I had their letter stating that I contact the creditor directly which gave me the authority in writing from TU to act as an investigator on their behalf.



More support to back this action from USC 15:



TITLE 15 > CHAPTER 41 > SUBCHAPTER III > § 1681e

§ 1681e. Compliance procedures



(b) Accuracy of report

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.



i think they have the right to have an agent do the investigation for them if they have already put it in writing authorizing you to do so.





I'm dirty ain't I? ;-)

Jersee I love you - you are hillarious!! ROFLMAO!!! So their treating me like an Independent Contracts and making ME do their job for them!!! LMAO!! I've incorporated some of your suggestions in my follow up letter below.



But what troubles me the most about this TU reply is the response time!!! They received my VOD letter last Wednesday (10/6/04) and they drafted their response to me THE NEXT DAY. There's no way in hell they contacted that laundry list of creditors within 24 hours!!!!!



Dash -



I searched my folder I created for you that contains all of your emails to me and I only found the initial VOD letters to the CRAs, not a follow up one. Please email the follow-up letter to me and I will amend my letter accordingly.

CUTE CHICK

123 BIG APPLE WAY

NEW YORK, NY 10000



VIA USPS CERTIFIED MAIL – RETURN RECEIPT REQUESTED



October 12, 2004



TransUnion Consumer Relations

P.O. Box 2000

Chester, PA 19022-2000



RE: Second Request for Investigation, <u>Verification</u> and/or <u>Validation</u> of Accounts Linked to Social Security Number XXX-XX-XXXX – File Number 130130845



Dear Sir/Madame:



I am in receipt of your letter dated October 7, 2004 explaining that TransUnion Consumer Relations ("TransUnion", "you", or "your") do not provide dispute verification responses received from creditors. This letter is unresponsive to my original letter I sent to you on or about October 3, 2004 requesting that you launch your thirty (30) day reinvestigation process and confirm the validity of the alleged debts associated with Social Security Number XXX-XX-XXXX pursuant to 15 USC 1681(i)(a)(1)(A) of the Fair Credit Reporting Act.



Therefore, I ask you again to comply with 15 USC 1681(i)(a)(1)(A) of the Fair Credit Reporting Act and please launch your thirty (30) day re-investigation process to confirm the validity of the alleged debts listed below. It is impossible to dispute an alleged debt without prior verification and to do so would be admitting that the alleged debt is valid without any verification on your part, since your organization is reporting this information to requesters with or without my consent. Moreover, 15 USC 1681(e)(b) of the Fair Credit Reporting Act requires you to "follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates."



The purpose of this request is to ensure that no fraud or other malicious intent has occurred and the following items must be verified for legitimacy, accuracy, and completeness not only for your organization’s protection but also for my economic and emotional well being. Failure to comply with this request made pursuant to 15 USC 1681(i)(a)(1)(A) could subject TransUnion to liability under 15 USC 1681(n) and 15 USC 1681(o) of the Fair Credit Reporting Act for my actual and pecuniary (monetary) harm caused by your failure and/or unwillingness to investigate and/or correct possible inaccurate or unverifiable information on my consumer credit report. I also reserve the right to pursue other civil or criminal remedies under Federal or New York State law relating to your misfeasance or nonfeasance in managing my consumer credit report..



Alleged Creditor Your Account/Reference/File Number



First Premier Bank 517800725706****

CFNA/Meineke 73403****

MBNA America Bank, NA 4*

Citibank 54106542****

WFNNB/Lerner 5606821056068**** American General Financial 304231702543****

WFS Financial 51811000****

GMAC ELF/GLHEC 0109460602785****

SM Servicing 94606027**** (Date Opened 9/7/01)



If the above items cannot be verified within your thirty (30) day reinvestigation process, kindly delete the item(s) from my credit report, pursuant to 15 USC 1681(i)(a)(1)(A) and 15 USC 1681(i)(a)(5)(A) of the Fair Credit Reporting Act. Otherwise, please provide me with a description of the procedure used to determine the accuracy and completeness of the information, including the name and address of any living person(s) you contact in connection with such information and the telephone number of this living person(s) pursuant to 15 USC 1681(i)(a)(6) ( B )(iii) and 15 USC 1681(i)(a)(7) of the Fair Credit Reporting Act.



Thank you for your cooperation in this matter.



Sincerely,



Cute Chick



_____________________________



***Edited

[Jerseee]

Cute chick,



How about this:



CUTE CHICK

123 MY WAY OR A LAWSUIT

NEW YORK, NY 10000



VIA USPS CERTIFIED MAIL – RETURN RECEIPT REQUESTED



October 12, 2004



TransUnion Consumer Relations

P.O. Box 2000

Chester, PA 19022-2000



To whom it may concern:



In reference to TU file number 130130845 dated October 7, 2004, I grudgingly accept your offer to investigate the validity of this alleged debt on behalf of your organization. My fee for my investigative services is $10,000.00 payable prior to investigation. The investigative process will commence in 14 days. If payment is not received nor refusal of my offer to investigate is not received prior to 14 days of the date of this offer, then it is noted that my offer is accepted and billing will begin on the first day of investigation of the alleged debt entries below.



Or your organization can resume with verifying/ validating the alleged debts below and not outsource your duties to me.





Alleged Creditor and Alleged Account/Reference/File Number



First Premier Bank 517800725706****

CFNA/Meineke 73403****

MBNA America Bank, NA 4*

Citibank 54106542****

WFNNB/Lerner 5606821056068**** American General Financial 304231702543****

WFS Financial 51811000****

GMAC ELF/GLHEC 0109460602785****

SM Servicing 94606027**** (Date Opened 9/7/01)



This demand for validation/verification is in compliance with 15 USC, chapter 41, subchapter III. This is not a DISPUTE. It is impossible to dispute an alleged debt without prior verification/validation and to do so would deny my commercial person due process. To protect your organization and my commercial person, you are hereby put on notice of USC 15, chapter 41, subchapter III.





With Honor,



Cute Chick

These letters are awesome. I will use some of the wisdom from these posts in my future letters. I'm hoping someone will walk me through the process again. I am late in payments, I sent the cease calling me crook letter, and demanded verification in 30 days from the ccc. They still call, I don't answer. I'm waiting until the 6th of november to send a letter of non response. Where does the cra letter come in? after I get nowhere with the ccc. The debt collection prostitutes have been informed also, with 10 days to verify. What sort of verification may come and how do I resond to what they send? Is it safe to wait the 30 days before contacting the cra? I'm a bit fuzzy on this but motivated to tell these folks where to go. Any insight and direction will make things clearer.

Thank you.

GL

Originally Posted by Jerseee

Cute chick,



How about this:



CUTE CHICK

123 MY WAY OR A LAWSUIT

NEW YORK, NY 10000



VIA USPS CERTIFIED MAIL – RETURN RECEIPT REQUESTED



October 12, 2004



TransUnion Consumer Relations

P.O. Box 2000

Chester, PA 19022-2000



To whom it may concern:



In reference to TU file number 130130845 dated October 7, 2004, I grudgingly accept your offer to investigate the validity of this alleged debt on behalf of your organization. My fee for my investigative services is $10,000.00 payable prior to investigation. The investigative process will commence in 14 days. If payment is not received nor refusal of my offer to investigate is not received prior to 14 days of the date of this offer, then it is noted that my offer is accepted and billing will begin on the first day of investigation of the alleged debt entries below.



Or your organization can resume with verifying/ validating the alleged debts below and not outsource your duties to me.





Alleged Creditor and Alleged Account/Reference/File Number



First Premier Bank 517800725706****

CFNA/Meineke 73403****

MBNA America Bank, NA 4*

Citibank 54106542****

WFNNB/Lerner 5606821056068**** American General Financial 304231702543****

WFS Financial 51811000****

GMAC ELF/GLHEC 0109460602785****

SM Servicing 94606027**** (Date Opened 9/7/01)



This demand for validation/verification is in compliance with 15 USC, chapter 41, subchapter III. This is not a DISPUTE. It is impossible to dispute an alleged debt without prior verification/validation and to do so would deny my commercial person due process. To protect your organization and my commercial person, you are hereby put on notice of USC 15, chapter 41, subchapter III.





With Honor,



Cute Chick

This is very concise! I really want a concise letter but I keep getting hung up on the legality of things. :-(



I don't know if you saw my original letter before the edit Jerseee but I did address this delegation issue in the last paragraph of that letter but I decided to take it out because I don't understand how TU is delegating their authority to me. I re-read TU's paragraph posted on here and, based on my understanding, TU is saying that they will investigate if I place the accounts in dispute but that they are not willing to pass along documentation they receive from the bogus creditor to me.



Of course I'm not going to dispute these accounts, which is why I borrowed those lines from your VOD letter Jerseee. And as far as getting a copy of the verification docs from the bogus creditors, I guess I'll have to subpoena them from TU in a court trial! Either way, I don't see where TU delegating their investigative authority to me. However, I'm willing to use this argument once I understand it.



Also, from reading your revised letter, is it safe to assume that there's no need to repeat myself and demand verification all over again? I wrote paragraphs 1 and 2 of my letter thinking that there will be someone else at TU reading my response and they would need to be brought up to speed. Also, the purpose of paragraph 3 of my letter is to let TU know that I will sue them for their bad acts.



Your thoughts?

cute_chick: re-read jerseee's letter, he brings up validation/verification again...



jon