If the CRA continues to report a TL as verified and you get no response to two DV letters sent to the OC / CA CRRR does the CRA have to remove the TL? Is it enough to send them someting like the following? Dear Sir/Madame: This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. The following information has been previously disputed with you, and has not been corrected. 15 U.S.C. 1681i(a)(1)(a) requires that each time a consumer reporting agency receives a dispute, it shall re-investigate free of charge, record the current status of the disputed information or delete the item from the file within 30 days, beginning on the date the dispute was received unless the dispute is determined to be frivolous or irrelevant. While the correspondence that was sent by CSC Credit Services indicates the account was previously investigated, it does NOT however state whether the dispute was determined to be frivolous or irrelevant, and the justification of said determination. 1. (TL) 2. (TL) 3. (TL) Additionally, I have requested verification of these debts from the creditors indicated on your report in writing via certified mail. (TL1), (TL2), & (TL3) have failed to reply, and have failed to provide documentation that these are in fact verifiable and legal debts. Two separate attempts were made with each creditor, both of which have failed to result in any documentation whatsoever. Copies of these letters are attached. The FDCPA states they must cease collection activity until they have produced verification of the alleged debt if so requested. As per the FTC, this includes reporting to the credit bureaus, which they obviously have done illegally. It is quite evident that no such proof of these alleged debts exists or documented verification of the legal status provided it in response to the previous submitted demands. Please be aware that continued reporting of a debt that is not verifiable is a criminal violation of the Fair Credit Reporting Act. Pursuant to 15 U.S.C. 1681i(a)(1)(a). I will NOT accept another reinvestigation of this account, ONLY deletion. Failure to immediately correct your records may result in legal action in pursuant with the Fair Credit Reporting Act and the Federal Trade Commission. Please be assured that this is an attempt to correct your records; all correspondence is tracked, logged and maintained should additional proceedings be necessary. I look forward to an amicable resolution to this matter. Sincerely, What do you think? Thanks.
