EXPERIAN

Originally Posted by Tora

<FONT size=3>CONFIDENCE.</FONT><FONT size=3></FONT>

THAT'S the word you're looking for!


You done good.&


Randy&

[rushpat]

Originally Posted by Tora

<FONT size=3>


<FONT size=3>THE RESULTS ARE:Â* Equifax has verified this item belongs to you.Â* If you have documents that release you from this obligation please forward a copy to us. </FONT>

I have an idea. Use the UCC-11 form to search the SoS files for the REAL lien that should back up the notice of lien they sent to you. As we all know, most of the time, there is no REAL lien on file, as that would require a judgment.

Once you get the letter back from the SoS stating that there is no lien on file for you, then send that to the CRA's demanding that they remove the false entry.

I received a response from TransUnion today regarding the four tax liens.& They responded after I sent&the letter& above.& They said they verified the four tax liens and&no change has been made.&


I'm will now write&and ask for&the information they obtained.& I want to know "who" verified them i.e. who&swore under oath. &I will also tell them that Equifax couldn't verify them, so how could they?


&


&

[Ice]

No need to mention Equifax by name.. just inform them that "other Credit Reporting Agencies" could not verify the lien AND there is no evidence of any lien filed with the SoS.


&


&

<P class=catchline>Ice,
<P class=catchline>Thanks.& I'm not going to mention Equifax.& What I want from them is "who" they verified the liens with.& According the the FDCPA I'm not going get that information until I file a complaint with the federal court and get it through discovery.& If I am reading this statute wrong please let me know:
<P class=catchline>Sec. 1681g. - Disclosures to consumers
<DIV class=statute>
<P class=dataText>
<DIV class=divDataText></DIV>
<DIV class=divDataText>
<P class=labelLeader-1><A name=1681g.a><SPAN class=label-1>(a) </SPAN></A><SPAN class=labelhead-1>Information on file; sources; report recipients</SPAN>
<P class=labeltext-1></DIV>
<DIV class=divDataText>
<P class=labelLeader-nohead-1><A name=1681g.0><SPAN class=label-1></SPAN></A>
<P class=labeltext-1>Every consumer reporting agency shall, upon request, and subject to section 1681h(a)(1) of this title, clearly and accurately disclose to the consumer: </DIV>
<DIV class=divDataText>
<P class=labelLeader-nohead-2><A name=1681g.a_1><SPAN class=label-2>(1) </SPAN></A>
<P class=labeltext-2>All information in the consumer's file at the time of the request, except that nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer. </DIV>
<DIV class=divDataText>
<P class=labelLeader-nohead-2><A name=1681g.a_2><SPAN class=label-2>(2) </SPAN></A>
<P class=labeltext-2>The sources of the information; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually used for no other purpose need not be disclosed: Provided, That in the event an action is brought under this subchapter, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought. </DIV>
<DIV class=divDataText>
<P class=labeltext-2></DIV></DIV>

[Ice]

Well, if they prepared an "investigative consumer report" then those sources need not be disclosed ... but you can get them if you file.& The question is: did they do an "investigative consumer report"??


&

<FONT face="Tahoma, Arial, Helvetica, sans-serif" size=2></FONT>Ice,


Thanks.& You're right.& They didn't do an "investigative consumer report".& They said, "we have completed our reinvestigation and the results are shown below".&


Federal Tax Lien Verified No change


Federal Tax Lien& Verified& No change


Federal Tax Lien Verified& No Change


State Tax Lien& Verified No Change


I&wrote them today and requested a description of how they verified the liens, including the business name and address they contacted and the telephone number.


I didn't say anything about the other CRA's.


Lets see what they come up with this time.


What if they say the Alameda County Recorder verified them?&


&


&

Well, here's my latest from the good folks at Experian.& Oh, the tangled webs we weave....


1. They had my name spelt (that's southern for "spelled") six different ways. I asked them to correct this. They did.
They also--for reasons I don't understand--added the following section:


"Social Security number variations
As a security precaution, we did list the Social Security number that you gave us when you contacted us."


Now here's the weird part: There IS a SS#, but it ain't mine! Go figure. Do they just make 'em up, or what? I never mentioned SS#????


And this--the main point--about the cc I'm "terminating."


Under "Status Details":


Status: Closed/Past due 60 days.
Your Statement: "CONSUMER UNABLE TO OBTAIN VERIFICATION OF DEBT"& (True, both counts. I could not obtain verification so I asked them to add that as my "comment.")
&
(Get ready for the next line!)


"Creditor's statement: 'Account closed at credit gantor's request.'" (emphasis mine)


I don't know what that means, but I'll let y'all know soon as I do.


Randy


Randy


&

Creditor's statement: 'Account closed at credit gantor's request.'" (emphasis mine)


&


It means that the account&they are talking about wasn't closed by you.& It was closed at the&requet of the creditor&grantor.& You may have paid off the account, but the credit grantor did not keep the line of credit open.& They closed it.&

Mornin', Tora....


Understood. But does it mean "closed" as in no further collection activity will take place, or "closed but we're gonna so get you, you lop-eared varmit"?


Randy