I have sent letters to all 3 CRA's demanding Full Legal Validation of certain items, per federal law's etc. I have read in this board recently that they only have to verify. I received a response from TU, just a form letter explaining how they report on the category's that the items I had contested are listed in. I sent a follow up to TU stating that what they sent does not come close to full legal validation etc. I spent a lot of time trying to construct the best letters to the CRA's as possible. Have I lost any "teeth" in these letters by demanding the wrong thing? Also, does anyone have any idea or sources on how I can get information (or consult with an attorney) on a federal debt that is currently placed with the treasury dept. for collections (more details posted on this board under "Big mess with a federal Debt") Thanks, MAG
When you dispute with a CRA... They don't have to do anything... Here is what they do... They take your xx page dispute, translate the general dispute into a simple few digit code, and press enter. That's it. The company which you are disputing, gets the code, and the account information, and are asked to hit Y or N, and press enter. That's it. This may seem overly simplistic, but that's the process. This simplistic description is literally what the CRA's have testified to under oath. Their companies alleged procedures request responses, being ignored. Don't believe me, look for the NACA testimony before Congress for the FCRA revisions which became FACTA. The lawyer who won Johnson v. MBNA (a $90,300 verdict against a DF for verifying false information) walked Congress through the depositions that he, and other NACA attorneys have had showing how grossly inadequite CRA procedures, and data furnisher procedures are. Believe it or not, until he won Johnson v. MBNA, there WAS NO CASE LAW, which said that the data furnisher had any expectation of reasonableness for their investigation, and most didn't investigate to any stretch of the word reasonable; at most they typed the account number, quickly glanced at the account, and said yep, nope, or update... With dealing with the federal hold, you are better off dealing with it through an attorney, depending on your income, you may be able to get legal assistance to help for little or no $.
