Send Verification Letter To Cra

First a quick note on manners...

All caps is considered *SHOUTING* online.

Q1: Do I send my verification letter to the CRA or the creditor or both.

I am now challenging what the CRA said they verified.

A1: If the company involved is an original creditor validation under the FDCPA doesn't typically apply, depending on the type of account involved, the FCBA (Fair Credit Billing Act) may be able to help you demand an investigation of the account with the creditor.

If you've sent a dispute to the CRA, and the creditor verified in a way that you know is incorrect, there is another technique that you can find in the forum called "Dixie's CYA"; basically it tries to get the OC to certify that the CRA never contacted them for the dispute.

Depending on the CRA involved, you may have difficulty getting the item in question re-investigated through them again. Which is why developing a strong paper-trail is required.

For instance (I'll give an example of using Dixie's CYA), if you request a re-investigation, and they refuse it stating that the OC has already investigated and verified, and you have the OC's certification that the CRA never contacted them for the investigation...

Q2: And if I send it to the CRA can I have them verify more than one thing per letter or send them separate.

A2: When you are sending a dispute to the CRA, you can place as many things in that one letter as you want.

If it is possible that the situation would be one which may only be resolved in potential litigation, then it may be best to dispute only that one thing in the letter.

 

welcome

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GET THE BASICS HERE.
http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=410243#post410243
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Another post which you should check out is "Demand Procedures", you will only get the same disclaimers of their default alleged procedures.

'when you contact us, we review your documentation (usually we don't, but we won't tell you this, because then we would be admitting to breaking the law, and we can't have that, now can we), then we contact the data furnisher for them to verify (hit the glowing 'Y' key on the keyboard).'

They rarely if ever provide any specific accounting of how they specifically handled YOUR specific dispute, because the truth of the matter is, they don't know how they handled your specific dispute. I had a CRA respond to a BBB dispute as "The data furnisher either VERIFIED or DELETED the tradeline."

Yes, they couldn't tell which, and I even provided a copy of their own company's results page stating that the account was VERIFIED.

Do we need to provide any more proof that said CRA does not read the documentation provided with the dispute?