I came across something very important while researching for my dispute letters. If you have disputed with a CRA and then they come back saying the debt has been investigated and is verified, then you may might want to include the following information in your second letter to the CRA from a judge's opinion. Here's an excerpt from the opinion: "Trans Union argues that it did not violate a duty to reinvestigate because it had no duty, as a matter of law, to go beyond the Judgment Docket in conducting its reinvestigation. We disagree. A credit reporting agency that has been notified of potentially inaccurate information in a consumer's credit report is in a very different position than one who has no such notice. As we indicated earlier, a credit reporting agency may initially rely on public court documents, because to require otherwise would be burdensome and inefficient. However, such exclusive reliance may not be justified once the credit reporting agency receives notice that the consumer disputes information contained in his credit report. When a credit reporting agency receives such notice, it can target its resources in a more efficient manner and conduct a more thorough investigation." I'm sure this will get the CRAs' attention, especially if they are Trans Union. Just providing the forum info that might be helful. I've been reading posts from this forum for last few months and it has educated me alot. BTW, here is the url for the complete opinion: http://www.kentlaw.edu/7circuit/1994/93-3441.html
Very Nice!!!!! This is definitely a must read/save. Hopefully, Dave(Nave) can put this is the case law section of the faq page. (hint, hint) ;-) humblemarc