7 More Deleted!! But?

[D.Dog]

7 More Deleted!! But? OK
I now have recieved a letter from Transunion. They did delete 7 of of 12 items I asked for Certified Validation on. 8) HAPPY DAZE :smile:

The problem I have with the letter, it opens up with.." Our investigation of the dispute you submitted is now complete"

Problem is I made it quite clear and so clear that I was NOT DISPUTING anything and was asking for only for certified verification.

The 4 accounts they did not remove and stated they were verified but did not provide me with any type of verification.

I was looking at sending the affidavit modified of course, from the downloads section. But I can not find any where in the statutes what exactly certified verfication is' or is required by the the CRAs.

I know what the legal definition is from my dictionary but is there a law that says they must follow that definition? Or do they only have to only follow their policy? which they do.

What say U.

Thats 2 CRAs down, Experian is the only one I am waiting on a response from.


D.dog

[seeker]

15 USC 1681(i)a (5)A
(a) Reinvestigations of Disputed Information

(5) Treatment of Inaccurate or Unverifiable Information
(A) In general. If, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shall–
(i) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation;

(6) Notice of Results of Reinvestigation

(B) Contents. As part of, or in addition to, the notice under subparagraph (A), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph (A)

(iii) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher,

(7) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph (6)(B)(iii) by not later than 15 days after receiving a request from the consumer for that description.

(8) Expedited dispute resolution. If a dispute regarding an item of information in a consumer's file at a consumer reporting agency is resolved in accordance with paragraph (5)(A) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph (1)(A), then the agency shall not be required to comply with paragraphs (2), (6), and (7) with respect to that dispute if the agency

(C) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumer's file after the deletion, not later than 5 business days after making the deletion.

Originally Posted by seeker

15 USC 1681(i)a (5)A
(a) Reinvestigations of Disputed Information

(5) Treatment of Inaccurate or Unverifiable Information
(A) In general. If, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shall–
(i) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation;

(6) Notice of Results of Reinvestigation

(B) Contents. As part of, or in addition to, the notice under subparagraph (A), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph (A)

(iii) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher,

(7) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph (6)(B)(iii) by not later than 15 days after receiving a request from the consumer for that description.

(8) Expedited dispute resolution. If a dispute regarding an item of information in a consumer's file at a consumer reporting agency is resolved in accordance with paragraph (5)(A) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph (1)(A), then the agency shall not be required to comply with paragraphs (2), (6), and (7) with respect to that dispute if the agency

(C) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumer's file after the deletion, not later than 5 business days after making the deletion.

I'm still learning. Can you please tell me where you obtained this information.
Thanks

[seeker]

I downloaded from a site that had the complete code listed.

http://www.ftc.gov/os/statutes/fcra.htm#611

Originally Posted by seeker

15 USC 1681(i)a (5)A


(iii) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher,

I'VE TRIED THIS BEFORE AND IT DIDN'T WORK FOR ME. I SENT SOMETHING TO THE EFFECT OF THE FOLLOWING:

Dear XXXXX:

Your company recently investigated and supposedly verified the above referenced account. I have contacted this company several times via registered mail requesting "Validation". I have yet to receive a reply from them.

Pursuant to the rights afforded to me by the FCRA, I am enclosing the letters and postal receipts for you consideration. The FCRA maintains that the reporter of the account validate the account with me if they wish to continue reporting it. The FCRA also states you must consider evidence supplied by me during the investigation process.

However, this letter is NOT a request to reinvestigate. You are obviously investigating from a different source as I am, perhaps and old magnetic tape or automated response system. This letter IS a formal request for you to delete the account in question. The letters and postal receipts I have supplied as evidence clearly shows the reporter of this erroneous information cannot provide any information linking me to said account.

[seeker]

worked for me. I have one entry left.

Let's suppose that you did exactly what Cute Chick outlined in another thread, and by submitting all the "documentation' that you had, you reaffirmed the account. Notice I did not say the DEBT, just the account.

Seeker