received my CRA response...

[LUKE2447]

I received a response from CSC services... who is this related to? They deleted 3 items that really where nothing but Col Ag..... They put down that they have VERIFIED that it was ME on the accounts that I asked for verification on. Then say to contact the creditor if I have any more questions blah blah blah... What should be my next step and recourse to their basic no response to asking for real vrification in the letter?
Anyone have basic format that I can change myself and add things to just to get me going. Something that I can work on that highlights areas I should bring up on the second letter to respond to their non proof of verification. I have seen a couple but I think they are gone since the change over.


Also here is a site that I think many of you will find interesting esp about CRA's a going after them. It is a messageboard... though they have no clue about everything they have some interesting things about credit and how to attack it in other ways and build it if you choose! Least to say very interesting!

http://www.artofcredit.com Go to the messageboard etc... Thanks!

[seeker]

Luke;

CSC is Equifax -- and that is pretty standard for them -- although I applaud that you were able to at least get three in the first swing!

I would advise you to look through th eothr threads in this forum relating to CRAs for the follow-thru. Your ongoing plan is the keep requesting vallidation -- validation-validation. As Jack Smith says, "Everything they do is a test. They want to see if you pass..." In other words, they want to know if you buy there sh** about no verification/we have verified -- the heck with verification, any one can verify, you want VALIDATION -- proof that the debt is valid, by certified validation -- ie. living soul under affidavit having personal knowledge -- that's validation. And if they have it, they should provide you a copy. If they cannot or will not, then they must delete it.
So your next repsonse is something like --
"thank you for your prompt response to my inquiry. While I appreciate your attempts to date, I would request that you carry out my request in its entirity and validate ALL entries on the account you report in the name of JOHN HENRY DOE. As I requested in my previous letter, if you obtain certified validation of a debt, please provide said validatition to me so that I may review it for accuracy. Without such validation, I cannot be sure that the inforamtion is true and correct and not fraudulent.
In the converse, if you have not or cannot obtain the certifed validation I request, please promptly delete the entry as if it does not exist. This is in accordance with the FCRA section 1681 1, a (whatever it is LOOK IT UP> these are not the correct numbers!!!)
I look forward to yada yada---corrected report, etc."

This is basically what I use and have had modest success (see Success Stories --)

Good luck and DO review those threads for more complete information on how others are handling htis situation!

Seeker

[LUKE2447]

What about the "Affidavit of Fact" Response in the download section.... when should or could that be used and modified to the specific response form the CRA? Thanks!

[Jerseee]

CSC is an affiliate of Equifax and IMHO serves as a buffer between Equifax and the natives.

[seeker]

WHY would you give an affidavit of fact to a CRA??????
What "facts" are you attesting to and why would you swear to anything to them?
REMEMBER--> the burden is on the CRA to prove or disprove the validity of the report they are generating to the public regarding you -- You're only interaction is to keep demanding that they do so.

Seeker

[Jerseee]

I agree with seeker. besides, an affidavit is fact(s). An "Affidavit of Fact" is redundant.

[LUKE2447]

just referencing what was in the downloads section... It comes with a cover letter that requests deletion etc.... THe response was to be sent and adjusted per the response after the initial letters went out.

COVER LETTER



September 10, 2003
Via U.S.P.S. “Certified Mail”
EXPERIAN
P.O. Box 9595
Allen, TX 75013
To Whom It May Concern:
SUBJECT: REMOVAL REQUEST FOR UNCERTIFIED/UNVERIFIED RECORDS
On August 25, 2003 EXPERIAN replied to my request for “Verified Certification” of your records for my credit report. EXPERIAN stated that “Verified Certification” is not available for EXPERIAN’S records pertaining to my credit records.
EXPERIAN’S continued storage and relaying of any unverified and uncertified records regarding myself is cause for tort claims against EXPERIAN for damages. I mention this only as a courtesy, as I am sure it is your desire to rectify this situation now that I have brought it to your attention. So there is no doubt regarding the current situation between EXPERIAN and myself, I am inclosing my Affidavit of Fact to bring you current. I am also enclosing the letter referred to in section (4) in my Affidavit.
Enclosed is a list of uncertified/unverified records EXPERIAN has stored and relayed to myself and others. All records on this list are uncertified/unverified, and EXPERIAN must remove them at this time, as further damages to me by EXPERIAN’S relaying of uncertified records will be dealt with appropriately.
Sincerely,
John Henry Doe©


THEN THE AFFIDAVIT OF FACT WITH THE COVER




AFFIDAVIT OF FACT

Introductory Certification

John Henry Doe©, the Undersigned Affiant, hereinafter “Affiant,” does hereby solemnly swear, declare, and state as follows:

1. Affiant is competent to state the matters set forth herewith.

2. Affiant has personal knowledge of the facts stated herein.

3. All the facts stated herein are true, correct, and complete in accordance with Affiant’s best firsthand knowledge and understanding, and if called upon to testify as a witness Affiant shall so state.

Plain Statement of Facts

4. Affiant has neither seen, nor been presented with, any evidence and likewise any material fact, that demonstrates that Affiant did not, on August 18, 2003, send by the United States Postal Service, written communication requesting “Certified Verification” for all records and information regarding Affiant stored and relayed by “TRANSUNION”, hereinafter “TRANSUNION”.

5. Affiant has neither seen, nor been presented with, any evidence, and likewise any material fact, that demonstrates that Affiant did not, receive by the United States Postal Service, written communication dated August 21, 2003, from TRANSUNION, which indicates TRANSUNION’S refusal to provide Affiant with the “Certified Verification” requested by Affiant for all credit information TRANSUNION stores and relays regarding Affiant.

6. Affiant has neither seen, nor been presented with, any evidence, and likewise any material fact, that demonstrates TRANSUNION will provide Affiant with the requested “Certified Verification,” and Affiant believes that it is not TRANSUNION’S intent to do so.

7. Affiant has neither seen, nor been presented with, any evidence, and likewise any material fact, that demonstrates that TRANSUNION is in possession of the requested “Certified Verification”, and Affiant believes that none exists.

8. Affiant has neither seen, nor been presented with, any evidence, and likewise any material fact, that demonstrates that Affiant is in possession of the requested “Certified Verification”, and Affiant believes that none exists.

9. Affiant has neither seen, nor been presented with, any evidence, and likewise any material fact, that demonstrates that TRANSUNION’S storage and relaying of unverified and uncertified records regarding Affiant does not harm the character of Affiant, both in Affiant’s business, and Affiant’s financial business, both public and private.

10. Affiant has neither seen, nor been presented with, any evidence, and likewise any material fact, that demonstrates that TRANSUNION’S continued storage and relaying of unverified and uncertified records regarding Affiant is not cause for tort claims against TRANSUNION by Affiant for damages caused by TRANSUNION.

Verification

11. The Undersigned Affiant, John Henry Doe©, does herewith swear, declare, and affirm that Affiant issues this Affidavit of Fact with sincere intent, that Affiant is competent to state the matters set forth herein, that the contents are true, correct, complete, and certain, admissible as evidence, and reasonable and just in accordance with Affiant’s best firsthand knowledge and understanding.

Exodus 20:15; 16

Further Affiant Saith Naught.

This Affidavit of Fact is dated the Tenth Day of the Ninth Month in the Year of our Lord Two Thousand Three.


______________________________________
John Henry Doe©
c/o Address
City, State Zip

[LUKE2447]

I do believe that the reasoning is and I have seen it mentioned here that the sworn Affidavit out trumps the evidence that is not a CERTIFIED Validation given by the creditor and evidence in hand by the CRA.

[Jerseee]

If that is the case, then one should not trick them into that (if that is possible). Research is needed before acting on this.

[LUKE2447]

I am not understanding what you mean by "trick".... As the CRA should have some form of sworn statement or affidavit of fact of the alleged debt. Not just information presented and accepted by them on the honor system. I just thought it was interesting point as they would have to disprove the affidavit. I don't think they can in most cases.