Smoking Gun for the CRA's!!!!!!

Discussion in 'Credit Talk' started by LisaMc, Sep 5, 2002.

  1. LisaMc

    LisaMc Well-Known Member

    My "purged yet verified" saga continues....

    The history -
    EQ verified an account that I later learned had been purged by the OC's system. My question.... "EQ, how can you verify an account that the OC can not produce data for?" EQ insists that OC provided information.

    My Next Step -
    I contacted the OC by CRRR. I demanded that they correct their reporting to all 3 CRA's immediately or I would file suit on XX/XX date. OC replies promptly and says "Look, we can't police the CRA's. We have a set of data on your accounts that does not change from month to month (the acct has been closed for 2 years). The fact that they report it wrong can not be held against us." I agree with the OC completely. I contacted them and asked for a letter, on their letterhead, stating exactly what the detailed facts are surrounding these two accounts. I also asked that their letter state "these are the facts (and list each item--date opened, date closed, date of last activity, etc). We can not / have not verified ANYTHING with ANYONE other than the information in this letter. Ever. Period." The OC said they will send the letter to me via fax today.

    Game Plan -
    Armed with my new OC letter, on letterhead, how can a CRA say that they "verified" the information that they are reporting? Do I have them hung on this? The CRA's absolutely did not contact the OC. I believe that totally. They lied, said they performed an investigation, did nothing, waited 30 days and the computer kicked out a letter saying the accounts were verified. We all know this is probably the routine in most disputes. Haven't I laid the groundwork well enough here to uncover this CRA scandal?

    I also asked the OC for dates of each request for verification from the CRA's. She said 10/01 was the last date she showed, but she could not 100% positively say that was the last time verification was sought by a CRA because they do not track that information 100% of the time. That's too bad, that would have been a slam dunk--"we verified the info on 8/02." Really? The OC said they haven't heard from you since 10/01! Too bad I can't say that!

    I am working on my letter to each CRA now that I will attach to the OC's letter. Hopefully they will just delete the account and that will be the end of it.

    Any thoughts would be appreciated.
     
  2. humblemarc

    humblemarc Well-Known Member

    I would attach fax with intent to sue letter. I assume you haven't kept any paperwork stating they have verified, but if you send the fax and with intent to sue and a five day deadline for them to delete/update (all CRRR,) this would create enough of a paper trail for court. If court is neccessary, you will just have to explain to court that you never thought CRA's would refuse to correctly follow accurate verfication methods, therefore you didn't keep records before the letters to the OC. Obviously, if they are refusing to delete after the OC's letter, they are NOT following correct procedures. Also try and get a UDF from OC to send CRA to avoid any other bullshi***.

    humblemarc
     
  3. LisaMc

    LisaMc Well-Known Member

    I kept EVERYTHING. I have every piece of paper ever sent to me or by me totally documented. I know exactly when I disputed these accounts, for what reason, and what the outcome was for the last year.

    I have disputed every single element in the tradeline at one time or another. They verified.

    This is how I came to this idea. I created a grid in Excel for these two accounts. I listed all of the reported elements down the left, CRA across the top. I went to my latest reports and just filled in the blanks. For example: For account #1, date opened, TU = 7/00, EX = 2/00, EQ - 11/01. Each item reported was like this. None of these dates match the real date the OC reported.

    So, how can they have verified that the date opened was 11/01 when the OC states emphatically that it was 6/00 and staunchly states in the letter that they would not/have not verified anything other than 6/00. Do you see my point?

    I'm just looking for something that would tell me that I'm crazy to go down this road....
     
  4. LisaMc

    LisaMc Well-Known Member

    Also forgot one point Marc, the OC did offer to send in a UDF. I don't want them to update the info. I want them to delete the tradeline.
     
  5. humblemarc

    humblemarc Well-Known Member

    Ok.
    You're crazy for going down that road! Feel better now. :)
    If you have kept documentation, you have nothing to lose. I would send the intent to sue letter with a scathing letter to delete BECAUSE you have all types of proof they haven't down their job i.e. Transunion $5 mil lawsuit with OC saying the same.
    Pass Go! Collect $200!

    humblemarc
     

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