I pulled my husband's credit reports today. I noticed a number of errors. One of them is significant. It is showing a "Release of Tax Lien" and we have never had a tax lien filed against us. The interesting part is that no creditor is listed. I have no idea who filed the release of tax lien. Also, wouldn't there have to be a tax lien filed in the first place, before they could release the darn thing? How can it be legal to report something without a creditor's name? I have nobody to request verification from. Here's how it appears: Type: Release of Tax Lien Court Number: B59P513 Amount: $1,575 Date Paid: June, 2003 Date Reported: June, 2003 I'm hoping this comes off easily once I dispute it. I'm 100% sure it's not his and the "good" part is it's only being reported on 1 out of 3 reports. When I dispute with TU will they give me the name of the person or entity who released this lien? Thanks in advance.
Court Number: B59P513 ======================= Why not check with the court to see what this is all about?
Well I'm in CT and as a former paralegal, I've never seen a docket number remotely close to anything like that one (if it is a docket number they're referencing...could be an account number for all I know). Plus if it was some kind of property tax lien it would be from the town I live in and they would have notified us. My property taxes are and have been paid in full. We don't owe any income tax. Am I going to have to try to figure out who the mystery lienholder is or will TU give me that information?
Dispute with TU. One of two things will happen. Either they can't verify it and they remove it (good, nothing else to do), or they come back and say it's verified. If they do this, you then send a procedural request to them and state very explicitly that you need to know who they verified with. If they don't respond, sue them. There's a court case around that they are required to do more than verify that someone has your name and address once you come back and ask for procedures and further verification. If you search, you'll find it. But hopefully they won't verify and it will just get removed.
The responsibility to verify liens may rest solely with the CRA if they put the information there based on a search of public records. They pay companies to collect public record information for them.
