I received an updated copy of my credit report on Saturday and noticed the 2 items I had disputed came back as "Verified and Remains". I started these 2 disputes on May 27th, 2002. When I looked over the accounts on my new TU credit report it stated for the 1 account "Verified 4/2002" and the 2nd one "Verified 5/2002". Now I have been in dispute with these 2 accounts with TransUnion for the past several months and this last dispute I sent them new information to keep these disputes going. I called TU today and spoke to a rep. I asked how could they have actually investigated these 2 accounts but have it verified on 4/2002 and 5/2002 when I gave you my new dispute for these accounts on May 27th, 2002?? She said they contacted the furnsihers and if the information remains the same then the "Verified" date stays the same??? I said if they re-reported or verified this information to you in any way then you are not maintaining correct records and accurate information. When I asked to know the dates she verified them with these people she said she didn't have that information as it was done electronically and it is contained in the UDD file??? I said can you please send me this UDD file?? She said no, she can't. I said this is very important to me since I am going to seek legal action against the furnishers for not reporting this account as in dispute by me. She said I would have to "Summons" her for this UDD info, to which I stated...."Mam' that won't be a problem, I'll start working on that today." I then asked her for the registered agent for TU in my state of PA since they are in PA. She didn't have a clue. She only gave me the address to their legal department although I can easily find this information myself. I just wanted to intimidate her a little. What the hell is going on with this situation?? I think I caught TU not investigating my disputes and again reporting inaccurate information. Any pervious dispute I've ever had with them or any other credit bureaus have always included the new re-reporting/verified date and not old dates. What should I do?? I will file the suit in a heartbeat but want others opinions before I start. Thanks! Tac
I suggest you sent TU a procedure request letter, CRRR. See how they react to that. From what you're saying it sure sounds like they didn't really verify the account and simply updated it (without updating the date, which BTW they have to, and also which they've done on my report EVERY time something has been verified and or updated) to verified once again. EQ did something similar to me. CA sent UDF to all CRA"s. I also had a UDF copy from the CA telling CRA's to delete, placed account in dispute, and somehow EQ verified the account. A faxed copy of the UDF to EQ cured the problem, however I had totally caught EQ in a lie, not to mention violating the FCRA, and could have nailed their tin can brains to the wall if I bothered to file a lawsuit against them.
I have had problems with TU recently as well, with a duplicate account, they claim was transferred to the same company, making a 6400 charge off look like two 6400 charge offs. I sent them another letter requesting the information they used to verify, but I think I am only making a paper trail. Good Luck.
Mindcrime2, My thoughts exactly, I already have the procedure letter on it's way to them for their signature and demand a response in 15 days. They had better describe the procedures they used and had better not send me some form letter which helps nothing. If they don't do this I will file my suit in the middle of July against them for this screw up as well as their stedfast refusal to dispute and investigate inquiries. I prefer the small claims method in my area for several reasons. The max in PA is $8000.00 which is what I ask for. There are no discovery rules and the small claims rules are much more relaxed and in favor of the plaintiff. My outcome from the start of this ordeal is to just get these companies to comply with the laws or delete the accounts. My main motive has never been money. I will however once my suit is filed not back down on receiving some money and a deletion. I have quickly pointed out to most companies once suit is filed had they just agreed to delete in the first place we wouldn't be negotiating what is a fair monetary settlement for me. Most blame it on failed communication and some have even tried they never received my mailings. Although I then ask them if they'd like me to fax immediately the letter and signed green card proving they did in fact receive my correspondence. Only the truly arrogant and ignorant companies refuse to negotiate and end up in court. Those are the types who like to settle before going before the judge. My response......"Nope, too late...Tell it to the judge!!" Tac
Two points, 1) CRA's are so slammed with activity they can't keep up. So, many times they will just stamp an account verified and move on. How else can we explain that an account is verified when the CA already has agreed to delete and all concerned parties have a UDF in hand. It's obvious something is going on here and this is the best explanation I can think of. That also explians why we get silly form letters after we demand procedures info. Fact is they don't have any procedures info. so they must fake it. 2) Even if they do verify they may not change information such as the verifcation date etc. The law requires that if the investiagtion results in any change whatsoever they must send you a free report. What better way to avoid the expense and hassle than to make sure that the investigation does NOT involve a change. Just a thought.
