I sent trans union a letter last week requesting the methods used to verify and the names, addresses and phone numbers. Today I got their response stating they verify either by mail or electronic means. each creditor is advised of my dispute and requested to verify the accuracy or completeness of the info.etc, etc. I also demanded they re-enter the positive accounts they deleted. Again they are refusing to re-enter them. They say if the info is not verified by the creditor they can not update the disputed info and and cannot remain on file. They then listed the creditors, courthouse etc. used to verify the info along with the addresses and phone numbers. But they are lying again and screwed up and I have the proof in their own letter. They list the Bankruptcy Court as the U. S. District Court with the District courts address and phone number. Those 2 courts are at different addresses and have different phone numbers. For my car loan with Wells Fargo Financial, they listed the correct address and phone number, however per my account rep at wells fargo, no one has ever contacted them. What a surprise. Anyone have any suggestions on my next step?
What I'm amazed at is the apparent consistency with which these agencies lie. I'm really glad I found this website or I probably would have believed whatever they told me. Thanks everyone for your input and advice. But, to answer your question, I think it might fall under section 616 of the FCRA - Civil Liability for Willful Non-Compliance. I'm sure someone will correct me if I'm wrong.
I think that all of you who are suing should get together and contact a good trial attorney with the possibility of a class action. It's out there, waiting. I will deliberately trip them up if you want to shoot for it. I don't want money, I want them stopped. breeze
I'm going to ask again. TU sent me the info on who they claim to have verified a bk with and my car loan with. On the bk, the info they sent was for US District Court, not the US BK court - 2 different addresses and 2 different phone numbers. It's obvious they didn't verify anything. On my car loan, they got the name, address and phone # right, but they have never contacted them. How should I proceed? I'm getting a letter from my car finance co. stating that no one has ever contacted them re: verification. Will that be enough along with the wrong court info to file a lawsuit and get this crap deleted?
