Hey everyone .... I have an invalid TL with Anderson Fin .... I asked them to validate and have heard nothing from them. They have not contacted at least EX to tell them this account should be in dispuate. this is a violation, no? But with EX, I asked them to send me information about who they conacted per Federal law -- and they sent me a form letter. I called and he said they contacted anderson and i asked him why they didn't contact the OC and he said they are not required by law to do so. he said they only must contact the CA id they are the ones reporting. this is violation, yes?? what should i do next with EX? thanks! tboy
Re: Re: EXP lied about contact If I ask them for a procedural request, is it good enough for them to just say they did an automated request? thanks tboy
Re: Re: EXP lied about contact i have a letter to experian asking them to reinvestigate ... do you think this is too harsh or not harsh enough? should i send now or wait? TO WHOM IT MAY CONCERN: I am writing in response to the report/letter dated Oct. XXXX, which was a response to a procedural request sent to EXPERIAN XXXX/03. EXPERIAN responded to my procedural request with a form letter that did not contain the requested information, which EXPERIAN is mandated by Federal Law to do, if requested by the consumer. My last letter asked for: Name Of Creditor: Address: Name Of Who Was Contacted: Phone Number Called: Date Of Contact: Method Of Verification: Or any other pertinent information of any furnisher in connection with this investigation. I then spoke with xxxx of Team xxxx, agent for EXPERIAN, who informed me that EXPERIAN verified this account through an automated system. This is not sufficient information for a response to a procedural request. In an act of good faith, I will state Federal law for you again: § 611 (a) (6)(B)(iii) of the FCRA states: 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 business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. § 611 (a) (7) of the FCRA states: 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. According to the law, I am entitled to the following information: Name Of Creditor: Address: Name Of Who Was Contacted: Phone Number Called: Date Of Contact: Method Of Verification: Or any other pertinent information of any furnisher in connection with this investigation. For your benefit, and as a gesture of my goodwill, I will restate the relevant dispute: ANDERSON FIN NETWORK INC-Account Number XXXX I am further curious as to how this account was verified, given that I have asked for proper validation from ANDERSON FIN NETWORK INC and they have yet to provide this information (see attached information). As such, I am asking for a reinvestigation of this matter, with the attached information submitted as evidence for your review. Further, this is the second account that EXPERIAN was asked to provide procedural information. EXPERIAN was asked on 09/XXXX to provide information about how it verified an account listed by IC SYSTEM. Again, insufficient information was provided by EXPERIAN. As mentioned in this letter, upon the day that IC SYSTEM received a validation request, IC SYSTEM returned a letter to me stating: â??Since we have not had sufficient time to complete our investigation with OC, we have decided to discontinue all collection activity on this account. The account has been withdrawn. The national credit reporting agencies will be requested to delete any reference to account number xxxxxxx from your credit files. Credit bureaus may contact us at (651) 481-6333 if they have any questions.â? I am dismayed that EXPERIAN marked on my credit report that EXPERIAN was able to confirm and verify this account with OC/IC SYSTEMS INC when the actual collection agency itself could not verify this information to me and has promptly admitted to this fact in writing. I am also bewildered as to how EXPERIAN verified this account given this strong evidence. As I have already contacted EXPERIAN and requested procedural information regarding the verification of this account, as mandated by Federal law, I am also surprised that EXPERIAN did not send sufficient information regarding the procedural request. Please note, this is twice now that EXPERIAN has not followed Federal law by providing insufficient information to me regarding procedural requests. If this behavior continues, I will be forced to file a complaint with the FTC. By not lawfully answering my procedural requests, EXPERIAN blatantly violated the FCRA and committed infractions and is now opening the door to other possible issues, including lawsuits. I again ask for information about how ANDERSON FIN NETWORK account was verified (a procedural request). I also ask for a reinvestigation on this matter and would like this account promptly deleted if the account cannot be verified within the legal bounds of Federal law. Best Regards, TBOY
