from Equifax

#1 04-23-2004, 04:11 AM

Okay. So far, Trans Union deleted the unverfied credit cards, but no mention of state tax lien.

Received response from Equifax, which "approved" credit cards (received my info, not Lisa's, yet), but stated could not find the lien.

I got a lot of letters to write this weekend.

Randy

RICKY · #2 04-28-2004, 02:28 AM

RANDY,

TRANSUNION IS NOT DELETING ANY OF MY ALLEGED ACCOUNTS YET.& HOW MANY LETTERS DID IT TAKE?

THEIR LAST LETTER BACK TO ME (#3):

"........(MEANINGLESS SMOOZY INTRODUCTORY PARAGRAPH)...

"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 REQUIREDT TO INVESTIGATE AND RECORD THE CURRENT STATUS OF THE INFORMATION. WE DO NOT PROVIDE DISPUTE VERIFICATION RESPONSES RECEIVED FROM CREDITORS. IF THE NEED TO OBTAIN DOCUMENTATION OR WRITTEN VERIFICATION CONCERNING YOUR ACCOUNTS, THEN PLEASE CONTACT YOUR CREDITORS DIRECTLY.

"IF YOU HAVE ANY ADDITIONAL QUESTIONS.....BLAH, BLAH, BLAH....." (BOLD AND UNDERLINING IS MINE FOR EMPHASIS)

OF COURSE, I'M NOT DISPUTING JUST TRYING TO GET VERIFICATION.& SO IF THE VERIFICATION DOCUMENTS ARE NOT AVAILABLE BY THEIR OWN STATEMENT, THEN THEY SHOULD DELETE ALL ENTRIES.

AH...AS I RE-READ MY LETTER TO THEM, I SEE THAT I DIDN'T SPECIFICALLY DEMAND THAT THEY REMOVE ALL UNVERIFIABLE ENTRIES.& ANOTHER LETTER.....

WHAT SAY YOU?

COFFEE?

RICKY

#3 04-28-2004, 04:11 AM

Well, aren't they being bold?& I'll probably get one of those. Just wrote and asked for the verification documents since they wouldn't remove it.

But, think about this:

They have given you, in a back-handed sort of way, "proof" that said "verification" exists. I.E., they've "suggested" that the creditors have indeed provided such "evidence."& Send a copy of Equifax's letter to the creditor. Time now for the creditor to put-up or shut-up, right? The creditor certainly can't simply "refuse" to give YOU the same "evidence" provided to the cra, right?

(Oh, and I haven't forgotten about the IRS letter mentioned in another site. Posted there that I don't have your email, and that for some reason I never got your email. Send me another email and I'll get it to you. Sorry 'bout that...)

Now, let's go play truck-driver....

Randy

Jerseee · #4 04-28-2004, 04:40 AM

Randy,

You are starting to see how powerful my method is!!!

In their feeble attempt to try to get Ricky to "argue"--they basically gave him an admission.

Good critical reading Randy!!!! I am impressed and happy that Ice, Sui Juris, Jim, Squirrels or even myself was not the only one to see their boldness!!!

RICKY · #5 04-28-2004, 11:52 AM

JERSEEE...

AS I READ THROUGH& TITLE 15gt;&CHAPTER 41 >&SUBCHAPTER III, I'M SEARCHING FOR SOME OF THE THINGS I WANT TO KNOW BETTER...

1. SEC 1681l...THE CODE SAYS THEY MUST VERIFY THE ADVERSE ACTION&INFORMATION THE CREDITORS GIVE THEM.

SEC 1681K...ADVERSE ACTION IS DEFINED.

HOW DO THEY DEFINE "VERIFY"? VERIFICATION IN RESPECT TO CREDITORS' INFORMATION IS NOT DEFINED IN SEC 1861a.& HERE, IT REFERS TO THE VERIFICATION OF INFORMATION ON THE CONSUMER'S APPLICATION FOR CREDIT OR INSURANCE.

2.& I HAVE NOT FOUND WHERE THE CODE SPECIFICALLY SAYS CRA'S HAVE TO SHOW&ME A CERTIFIED VOD WHEN IT'S REQUESTED.& CAN YOU POINT ME THERE?

THANKS,

RICKY

&

RICKY · #6 04-28-2004, 11:55 AM

RANDY,

SEE THE POST ABOVE TO JERSEEE.& I HAVE SENT YOU EMAILS FROM THIS FORUM AND I HAVE GONE THROUGH THE "PM" PATHWAY TO SEND YOU EMAILS.& THEY SHOULD BE THERE BUDDY...

RICKY

Jerseee · #7 04-28-2004, 12:24 PM

Ricky,

When I use "certified verification" I am basically asking for a living human being to ensure the information that they are reporting is accurate and for a living human being to sign a statement saying so.

Of course you will not get this from the CRAs since that would make whomever accountable.& So they will generate a computer printout with the info on it.

In sec 1681e. (of that code):
<DIV class=divDataText>
<A name=1681e.b>(b) </A>Accuracy of report
</DIV>
<DIV class=divDataText>
<A name=1681e.0></A>
Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
In sec 1681i.
<DIV class=divDataText>
<A name=1681i.a_5>(5) </A>Treatment of inaccurate or unverifiable information
</DIV>
<DIV class=divDataText>
<A name=1681i.a_5_A>(A) </A>In general
</DIV>
<DIV class=divDataText>
<A name=1681i.0></A>
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 promptly delete that item of information from the consumer's file or modify that item of information, as appropriate, based on the results of the reinvestigation. </DIV></DIV>

RICKY · #8 04-28-2004, 11:54 PM

JERSEEE...

THANKS FOR THE RESPONSE.& I UNDERSTAND WHAT YOU HAVE POINTED OUT.& HOWEVER, NOT TO DISPUTE, BUT IN THE NEVER-ENDING QUEST FOR&CLARIFICATION, WHAT PART OF THE CODE TELLS THEM THEY MUST SEND ME COPIES OF THE VERIFICATIONS&WHEN I ASK FOR THEM?& I DON'T SEE IT IN THERE.& AM I TOTALLY BLIND?

RICKY

&

Jerseee · #9 04-29-2004, 12:16 AM

Ricky,

You may or may not find it. You need to search trough the code--you will come across some interesting stuff.

#10 05-02-2004, 10:16 AM

Sec. 1681b. - Permissible purposes of consumer reports

(a) In general

Subject to subsection (c) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other:

(2) In accordance with the written instructions of the consumer to whom it relates.

(F) (ii)

to review an account to determine whether the consumer continues to meet the terms of the account.

Hey, Ricky...

I would think if the CRA determines/verifies the "terms of the account," AND your "written instructions" include a "request" for such disclosure, the CRA has no choice but to honor your request.

If that doesn't work, and knowing that the CRAs report everything you submit to the original creditor/debt collector, well, write to the creditor/debt collector and insist that they supply you with the information supplied to them by the CRAs.

Randy