OK, I had 2 items deleted from my TU report due to them not being verified (I knew they wouldn't be). However Equifax and Experian have "verified" them. How is this possible? How do I dispute this with them? I am pretty sure they are just saying they "verified" them when all they did was sit on their asses. Is a validation letter in order here, with the 30 day time limit in place again? Or is there another method I should try? TIA
How did you know they would not come back verified? You can demand that EQ and EX tell you who they contacted to verify info. my law they must release this info. usually they will give u a phone number and address.
I would send a validation to the ca. As far as TU is concerned, don't be too sure that they didn't just delete it without verifiction while the other 2 cras did verify.
Dear Steve, You said there was no way they could have verified but you didn't say why? Is this debt truly not yours? paid? or aged off or what? It makes a big difference as to what strategy you should try next. Please Advise,
One of the debts was sold and the other I was only to be listed as an authorized user NOT joint account. The debt was sold over 3 years ago and the other is appearing as a joint account. I was very sure they would be unable to verify and was pleased when the first results back were those of TU. However when the other 2 came about a week later, I was dismayed and confused. I disputed both and TU promptly deleted them, but somehow the other 2 CRA's verified this. Should I just go straight to the creditors on these? Even the one where the debt was sold?
I have drafted a letter asking Experian and Equifax how they verified these 2 items. I am asking for copies of documents they used to validate the debt (contract, credit app. etc.). I am hoping both will fall off, as the OC on the sold debt will hopefully not verify (paid through the CA to which it was sold) and I never signed any application for credit to the reporting agent. Sorry for bringing this back to the top, but I am unsure what to do in this case. Any other suggestions?
You can scrap that idea. Experian and Equifax are credit reporting agencies. They don't have copies of contracts, apps, etc. The oc has copies, or should have that stuff. CRA's don't validate the debts. CA must validate per the FDCPA. As far as the acct that you were an AU on, I think you need to go straight to the oc on that one.
OK, that's what I'm trying to clarify, where this letter should go. CRA's and creditors fall under the FCRA correct? I am uncertain how to approcoach this though. A letter requesting validation to the OC's? Does it fall under the same 30 day time limit? Thanks again
we had a recent thread on this, but I can't rememebr which one. Yes, they fall uunder the same 30 day window. The only thing u will get from the CRA is contact info for who verified the debt, but you have to ask for it in the letter.
Steve, CRA's and OC's are under the FCRA. The FCRA is where you'll find the 30 day time limit. The CA is under the FDCPA. There IS NO 30 day time limit on validation. They can take all the time they want. They MUST however discontinue collection activity until they DO validate. If you reread your letter there is some confusion about this so don't send it untill you have it staright in your head. Beleive me it took ALL of us a while to fully understand these caveats. Validation is something you do with the CA (&OC) Dispute is what you do with the CRA Billing Errors are what you do with the OC Hope this helps.
