What info do I need to give CA?

Discussion in 'Credit Talk' started by flamva, May 15, 2003.

  1. flamva

    flamva Well-Known Member

    I sent a val ltr to a CA. They sent me a ltr requesting more info on the acct because, apparently, they were "unable to locate" my account with the info I gave them. They asked for my social security number, name of the original creditor (I included that in my letter), the creditor's account number, and the billing address of the account.

    I know that their statement that they can't locate my account is garbage. I think they are either stalling or are trying to get me to admit the account is mine -- or both. I mean, how would I have the OC's billing address if it wasn't my account, right?

    I wrote back to them and told them that they apparently do have enough information to locate the account because they are reporting it on my credit reports. I also told them that I don't have any more information because it's not my account.

    After 30 days, I sent a 2nd letter to the CA. I gave them 15 days to prove it or remove it.

    At the end of the 15 days, I received a duplicate of the letter they sent me before, the one that says they don't have enough information to find the account.

    In the original val ltr, I gave them my name and the name of the OC. That's the only info I usually give in a val ltr and it's never been a problem with any other CA. Was I right in not giving them more info, like my social security number? They don't need any more info to "find" the account, do they?

    What should my next step be?

    flamva
     
  2. jlynn

    jlynn Well-Known Member

    Have you disputed it with the CRAs?
     
  3. flamva

    flamva Well-Known Member

    Yes, I have disputed it with each of the CRAs, and the CA has verified and updated with each.

    Thanks, jlynn.

    flamva
     
  4. jlynn

    jlynn Well-Known Member

    Ok, back to your original question then. Never do their job for them!

    I think I would go straight to an ITS letter. They are verifying the info is correct with the CRA, but they can't find it? Violation.

    Another option might be to send the CRA's copies of all their letters that say they can't find you and demand that since they can't prove this account is yours you want it deleted.
     
  5. lbrown59

    lbrown59 Well-Known Member

    Ignore decoy letters from a CA.
    If what they send don't contain both of the following proceed with the validation process on schedule just as if you never heard anything from them.
    A Copy of a signed contract &
    A complete accurate account history.

     
  6. flamva

    flamva Well-Known Member

    Oh, I don't want to do their job for them, which is why I refused to provide them with further information. I just needed to hear from someone else that it wasn't up to me to give that info to them. I was kind of worried that if it got to court the judge would ask me why I wouldn't give them my SSN or other information that is printed on my credit reports -- info that I DO have. But, since they are verifying with the CRAs, they obviously have it, too.

    I think I will go straight to an ITS. In fact, I've been tracking their violations and they are up to 22 FCRA, FDCPA and state violations. I'm afraid that if I simply send an ITS they will send me another canned "can't find your info" letter, so I'm going to type up a statement of claim (what I would submit when I file a suit against them) and include all of their violations in it, and include a statement in the ITS letter that this is the suit that will be filed on such-and-such date if the TLs are not removed immediately. This way, they will know that I am serious.

    Maybe I'll also include a demand for damages in my ITS letter.

    Thanks, again, jlynn.

    flamva
     
  7. jam237

    jam237 Well-Known Member

    Send the CRAs the copy of the validation of debts requests, and the green cards for the requests, and a copy of each of their "we're unable to find the information" letters.

    Tell them that according to these letters they can not find the account based on the information which they are showing on the credit report; and you are requesting that the account be removed at once; since any verification otherwise has been false.
     
  8. lbrown59

    lbrown59 Well-Known Member

    flamva
    I sent a al ltr to a CA. They sent me a ltr requesting more info on the acct. because, apparently, they were "unable to locate" my account with the info I gave them. They asked for my social security number, name of the original creditor (I included that in my letter), the creditor's
    =============================================
    Don't send them anymore.
    They have all they need.
    THE END ** *** ** LB 59
     
  9. nomocash

    nomocash Active Member

    SSN info to CA?

    Same thing here. Probably same letter. They sent me my original letter back ??? I did not give them my SSN, but did name and account number. They of course asked for everything. Do I have to extend this by giving them more info, => SSN?
     
  10. GEORGE

    GEORGE Well-Known Member

    SSN info to CA?

    HOW MUCH ARE THEY PAYING YOU TO DO "THEIR" WORK FOR THEM???
     
  11. nomocash

    nomocash Active Member

    SSN info to CA?

    That is what I thought I heard this board say. Anyone with experience doing this? What happens...?
     
  12. snakeman

    snakeman Well-Known Member

    SSN info to CA?

    Now I have a question. Assuming you send the ITS letter to the CA and the dispute showing all the letters,green cards etc. to the CRA's.....

    Lets say the CRA's delete.

    What happens if the CA next month reports again?

    You see, this is where too much stuff comes into play and people get confused.

    Any way that one can be assured that once the CRA's delete due to your evidence that they will not accept the same TL from coming back on?

    Oooooh...good question huh?

    SnakeMan
     
  13. Gai-jin

    Gai-jin Well-Known Member

    SSN info to CA?

    Should I not send SSN to CA w/ validation letter? I have been, on the assumption that the SSN was the only item which positively identifies me personally. I didn't expect they'd validate based on name alone.

    Am I wrong in including my SSN w/ validation letters?

    Gai-jin
     
  14. jlynn

    jlynn Well-Known Member

    Re: SSN info to CA?

    Happens alot - no guarantees when it comes to CRAs or CAs. Have you read the FCRA yet? The CRA has to do several things to allow a reinsertion including notifying you of that reinsertion within 5 business days. I haven't gotten the required notification yet. In fact, I recently sent CSC an ITS for reinserting, and while that was pending the reinserted some more stuff!!!!!!!!! They are receiving a fax this morning.

    Also Snakeman, I know you are overwhelmed, but at some point, you need to read up on your state's consumer protection laws. Most have their own FDCPA and FCRA. Alot are more restrictive then the Federal. Always good to know both, because you get to use the one that is most favorable to you!
     
  15. Butch

    Butch Well-Known Member

    Re: SSN info to CA?


    Yeppers, I guess you got us now Snakeman. Now we're REALLY stumped.

    TeeHeee


    § 611. Procedure in case of disputed accuracy [15 U.S.C. § 1681i]

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

    (B) Requirements relating to reinsertion of previously deleted material.

    (i) Certification of accuracy of information. If any information is deleted from a consumer's file pursuant to subparagraph (A), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

    (ii) Notice to consumer. If any information that has been deleted from a consumer's file pursuant to subparagraph (A) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

    (iii) Additional information. As part of, or in addition to, the notice under clause (ii), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion

    (I) a statement that the disputed information has been reinserted;

    (II) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and

    (III) a notice that the consumer has the right to add a statement to the consumer's file disputing the accuracy or completeness of the disputed information.

    C) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph (other than information that is reinserted in accordance with subparagraph (B)(i)).



    Seems you have much reading to do my friend.

    :)

    .
     
  16. lbrown59

    lbrown59 Well-Known Member

    SSN info to CA?

    1*Do I have to extend this by giving them more info, => SSN?
    nomocash
    ````````````````````````
    2*That is what I thought I heard this board say. Anyone with experience doing this? What happens...?
    nomocash
    ~~~~~~~~~~~
    3* What happens if the CA next month reports again?
    SnakeMan
    '''''''''''''''''''''''''''''''
    4*I have been, on the assumption that the SSN was the only item which positively identifies me personally.
    5*Should I not send SSN to CA w/ validation letter?
    6* didn't expect they'd validate based on name alone.
    Gai-jin
    ^^^^^^^^
    =======================
    1*No and never give a CA your SSN!
    2*You keep the validation process on track by ignoring the CAs BS derailing tactics
    3*Automatic violation. Attempting to collect without validating.
    4*Then it's a good reason not to give it to a CA rite!
    5*If you want to help them nail you go ahead.
    6*Exact why you don't give them SSN.

    THE END ** *** ** LB 59
    """"```--~~~~~~~~~--```'""'''
    P.S.
    For more insight read the following links.
    ----------------------------
    Quote
    alaskan
    -------------------------------
    http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=350770#post350770
    http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=314910#post314910

    http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=352826#post352826

    ** *** **
    """"```--~~~~~~~~~--```'""'''
     
  17. Gai-jin

    Gai-jin Well-Known Member

    SSN info to CA?

    * Properly scolded, Gai-jin hangs his head and shuffles off to the corner. *

    :(
     
  18. jlynn

    jlynn Well-Known Member

    Re: SSN info to CA?

    Aaah, you'll get it soon! Come out of the corner.
     
  19. Gai-jin

    Gai-jin Well-Known Member

    Re: SSN info to CA?

    So, to clarify, if you send a val letter w/ only your name and address, the CA writes back requesting your SSN to verify your identity, you should NOT respond, and even though you're not providing the information they requested, this still counts as them not validating?

    I guess in my mind I see a judge throwing your lawsuit out if you don't respond to a reasonable request for information in that situation...
     
  20. RichC

    RichC Well-Known Member

    Re: SSN info to CA?

    Butch is of course right about the re-insertion of deleted information. It's a violation of the law without proper notification to you.

    Just don't expect that to matter tho. I had an item deleted by Equifax at the end of Feb and it was back on in June with no notification.

    I have called them twice, and written once, and been blown off each time (but they did remove the item. I guess they expect me to keep forking out money on credit reports to make sure it doesn't happen again).

    I'll be filing formal written complaints with the FTC, BBB and Calif Attorney General.

    Then, I guess its ITS time.
     

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