TU response....

[LUKE2447]

TU
blah blah

We want to blah blah blah

re: Dispute Status (though I did not dispute)

Our records show that your creditor(s) previously verified as accurate the items that are listed below. Therefore, under the FCRA, we must consider this dispute frivolous and we will not reinvestigate the items unless you can provide court papers or a recent, authentic letter from the creditors(s) that explain what information should be updated.

If you disagree with the results of your dispute, you may add a consumer statement of 100 words or less to your credit report or statement that contains medical information, then you expresssly consent to TransUnion including this information in every credit report we issue about you.


Other part of letter concerning verification documents not available.

Re: Verification Documents not available.

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 concerning your accounts then please contact your creditors directly.

Well it seems the typical BS we are not going to do anything response or incriminate ourselves for not doing what we are supposed to do. Anyone have any thoughts on the next round of attacks? Cute_Chick boy am I having fun now.

Originally Posted by LUKE2447

TU
blah blah

We want to blah blah blah

re: Dispute Status (though I did not dispute)

Our records show that your creditor(s) previously verified as accurate the items that are listed below. Therefore, under the FCRA, we must consider this dispute frivolous and we will not reinvestigate the items unless you can provide court papers or a recent, authentic letter from the creditors(s) that explain what information should be updated.

If you disagree with the results of your dispute, you may add a consumer statement of 100 words or less to your credit report or statement that contains medical information, then you expresssly consent to TransUnion including this information in every credit report we issue about you.


Other part of letter concerning verification documents not available.

Re: Verification Documents not available.

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 concerning your accounts then please contact your creditors directly.

Well it seems the typical BS we are not going to do anything response or incriminate ourselves for not doing what we are supposed to do. Anyone have any thoughts on the next round of attacks? Cute_Chick boy am I having fun now.

Yeah man I'm in the same boat right now with TU. I'm preparing my plan of attack as we speak. At least they didn't consider your request frivolous!

Well like they say, there's strength in numbers so we should just work in unison for a greater impact. I'm open for a little brainstorming if you're interested.

[LUKE2447]

cute_chick they did consider it frivolous LOL! Yes def up for some brain storming. Noticed some cases you and others have posted in the last few days any thoughts on howto incorporate those? Whatticks me off is they say they don't provide the verification. hmmm I find that interesting considering that is like trying to get prisoners guard themselves. I need to do something more to force their hand on proving verification. As we know the simple reason they won't is they can't!

Originally Posted by LUKE2447

cute_chick they did consider it frivolous LOL! Yes def up for some brain storming. Noticed some cases you and others have posted in the last few days any thoughts on howto incorporate those? Whatticks me off is they say they don't provide the verification. hmmm I find that interesting considering that is like trying to get prisoners guard themselves. I need to do something more to force their hand on proving verification. As we know the simple reason they won't is they can't!

Well definitely re-read those cases again, especially Johnson v. MBNA that says the CRAs and Creditors can't use CIS to verify the debt when the consumer disputes the validity of the debt (which we are doing whether we want to admit it or not). Also re-read the replies to those cases which will explain how to apply the case to your situation.

Bottom line, you need to establish a paper trail, have a thorough understanding of the FCRA, and show them that you're no dummy and you know the law! I say that because, when I called TU last week, the guy Mark told me to write another letter and cite the legal rules and cases that justify my request! In other words, they want to know how much you know. So give them what they want. And if they still don't comply, then sue their asses in court! It's as simple as that!

[rushpat]

It seems that TU is the toughest on letting these go. Hopefully, you'll be able to get Experian or the other one to delete it, then you can use that to ask why TU didn't delete it as well.

Originally Posted by rushpat

It seems that TU is the toughest on letting these go. Hopefully, you'll be able to get Experian or the other one to delete it, then you can use that to ask why TU didn't delete it as well.

Yeah I did that already and TU still didn't budge . . . They just asked me for my legal proof.

Also, I spoke with Equifax today and the rep said that they verify all accounts using CIS - even validity disputes . . . .

[sadie]

How about using code cites and case cites in the letters. Not threatening just mentioning. eg verification by CIS is insufficient JOHNSON V. MBNA ....