CRA responses to verification request - Page 2

john4na · #11 03-23-2004, 01:55 PM

Hi Folks,

Here is a link that will give you a Pre-written Doc to get your FREE copy of your credit report. And a few other docs as well.
Use it if you like it.
http://www.cs4u.com/ucc/reading/CRAs/

Check this one out also, it has a link to some VERY Good reading and recordings. Very informative...
Please excuse the fact it is a pay site, The info is Free.

http://www.cs4u.com/

This does not in any way constitute legal advise.

John

#12 03-23-2004, 03:25 PM

I've been&thinking about the tax liens&on my credit&report&that need verification.& The CRA's will have to verify them with the IRS, &not the county recorder.& The county recorder is a third party, so there's no way verification can be&made through them.And if I am wrong about that,& someone please&let me know. 

I doubt IRS will verify them because they are not liens, only Notices of liens.& Let us pray for that anyway.

#13 03-23-2004, 03:48 PM

Hey, Tora....

Go to the clerk's office and show them your "Notice of Tax Lien." Let them research it. Very doubtful that the "notice" of lien is backed by a judgment, which means there is no lien.

I'm waiting to hear from CRA's re my "notice of lien."

Randy

#14 03-23-2004, 05:15 PM

do correct me if i'm wrong, however, i believe that the CRAs are trying to get you to dispute your items.& jerseee, who's letter, i believe, appears in the downloads section, specifically addresses the situation.

bottom line is, the question to ask, afa i know, is: "how can i dispute something that hasn't been properly verified to exist?"

and i believe that jersee listed the specific items he wanted verified in his letter.& and that makes sense to me.& i'm sure you MUST tell the CRA WHICH item(s), specifically, need verification.& kinda like pleading the 5th, which must also be done on a ? by ? basis.

jon

Jerseee · #15 03-23-2004, 10:12 PM

Thanks Jon.

All,

I will pose this statement to you as if you are a debt collector or the CRAs asking you to do a dispute form, how can/would you respond?

statement:

"I cannot confirm or deny, accept or reject any alleged debt that is/has not been verified by your organization. This is not a dispute nor a refusal to pay an alleged debt. To dispute this alleged debt would nullify my due process and put me into dishonor. Therefore, certified verifcation is needed so that I may stay in honor and immediately satisfy the alleged debt or address the potential fraud. This is in accordance with USC 15 Chap. 41."

How would you respond? (if you could)

#16 03-24-2004, 01:25 AM

Quote:

Originally Posted by Jerseee

Thanks Jon. All, I will pose this statement to you as if you are a debt collector or the CRAs asking you to do a dispute form, how can/would you respond? statement:

"I cannot confirm or deny, accept or reject, any alleged debt that is/has not been verified by your organization. This is not a dispute nor a refusal to pay an alleged debt. To dispute this alleged debt would nullify my due process and put me into dishonor. Therefore, certified verifcation is needed so that I may stay in honor and immediately satisfy the alleged debt or address the potential fraud. This is in accordance with USC 15 Chap. 41." How would you respond? (if you could)

I don't think you need to explain why you want the items disputed if you show them the law which requires them to verify it.

If I&have read their law right, the failure of the&CRA to verify&the debt would constitute a violation of&due process.&

Sec. 1681I Restrictions on investigative consumer reports

Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report (other than information which is a matter of public record) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished.

~~~~~~~~~~~~~~~~~~~~~~~

Jerseee · #17 03-24-2004, 07:15 AM

Tora,

You are correct but, what I am addressing is the problem that the CRAs are putting all of you through.

You see, the CRAs know the code. You have already found out that they are trying to get you to dispute--therefore, you leave your remedy and eventually lose or give up.

The statement I made is an example of a response that I would give and including the code. That statement (and similiar ones that I have created) removes the attempt to try to get me to dispute. Strengthens and clarifies my position.

With this approach, you have made your position clear and are not disputing anything. Also, you are not refusing to pay. Furthermore, you are still demanding proof. Which leaves them with little to no room to play those games that they are currently doing with our members.

By replying this way--keeps you in honor and allows you to show grace and patience. Because you have already asked them once to do their job according to the code. However, they respond with an offer for you to leave your due process and dispute. You then reply again (with the statement that I made in my last post). Now the ball is in their court. If they refuse and come back again with a dispute form, now you can put them on notice of their "willful non-compliance" and failure to honor your demand according to the code. Do you see how their own doing will lead you to victory? This works for me every single time and I have yet to be drug into court since I already have their WRITTEN dishonor on more than one occasion. So for them to contiune with this game will only lead to their demise not mine.

You cannot fault the serpent for asking you to bite the apple. You can fault the serpent for ignoring your position and forcing you to bite the apple.

RICKY · #18 03-24-2004, 11:33 AM

JERSEEE,

I CAN'T THANK YOU, ICE, RANDY&AND THE REST OF THE PEOPLE ON THIS WEBSITE ENOUGH FOR YOUR CONTRIBUTIONS.

JERSEEE, YOUR LAST POST HERE HELPED ME CLARIFY SOME OF THE WORDING I WAS TRYING TO WORK OUT&WHEN I WRITE BACK TO EXPERIAN TONIGHT&NOW THAT&THEY HAVE DISHONORED ME BY WRITING THAT THEY "WERE UNABLE TO PROCESS MY REQUEST",& AND WENT ON FURTHER TO ENTICE ME INTO A DISPUTE SITUATION.& GOING THE WAY YOU DID, WITH THIS SECOND REQUEST I SHOULD BE SENDING THEM AN AFIDAVIT OF FACT, RIGHT?& AND IT SHOULD BE NOTORIZED TOO, RIGHT?

I CONSIDER EVERY CURRENT ITEM REPORTED ON MY CREDIT REPORT AN ALLEGED DEBT WHICH IS ADVERSE TO ME.& THEREFORE, I DON'T THINK I'M ASKING ANYTHING UNREASONABLE TO HAVE THEM VERIFY ALL OF THEM.& DOES ANYONE HAVE ANY REASON TO THINK THAT I'M OUT OF LINE?

I'M TAKING NO ADVICE FROM YOU ALL.& JUST LEARNING!

THANKS,

RICKY

&

&

#19 03-24-2004, 01:47 PM

"You are correct but, what I am addressing is the problem that the CRAs are putting all of you through."

Yes, and&as we all have found out,&if you don't&cite&the "specific" code section, they&WILLcontinue topretend to not know what you are talking about.& 

It is not my&style to&explain why I want them to do a particular thing,&since the law requires them to do it.&However, I'm not saying that what you said is wrong, but only that&they will continue the game if you don't include the exact code. 

&

Bird · #20 03-24-2004, 02:50 PM

Ricky:& &"...I SHOULD BE SENDING THEM AN AFIDAVIT OF FACT, RIGHT?& AND IT SHOULD BE NOTORIZED TOO, RIGHT?"

An affidavit must be taken before an officer having authority to administer such oath -- otherwise it is not an affidavit.

Bird