Back in July I disputed a CC account w/ both EX & EQ. EX claimed that they verified the acct, while EQ deleted it. I finally disputed w/ TU last month and they deleted it. Also, I received a letter from the CC company saying that they had searced their files and was unable to locate any information under my name or social, thus they were instructing all 3 CRAs to delete. My question is, do I have TU on a violation? By my conclusion, I would think so. How did they verify? With whom? With what info? I guess I should be asking EX these questions. Anyway....do I have basis to sue them? Any feedback is greatly appreciated.
Do you mean Ex instead of TU? If so, yes, if you can prove that they did not contact the source of the information. Double-whammie if they did and the source told them to delete or that they could not verify.
tell the company reporting it to send you a letter (fax it first to you) stating that they have no info whatsoever on this debt... Then.. you have the CRAs lying. After all... how did any of them "verify" the first time? You have any bureau who "verified" caught lying... or... the creditor did verify incorrect info that they have no proof of... either way, you have somebody... but... don't raise caine until you get that letter (that's why I like it faxed first... it's faster) and then later you can get the snail mail one... you can also ask for a procedural description from each cra that "verified" and see what they send you ... I'd file atty general complaints just for the heck of it and still sue the CRAs and the creditor... what do they think they're doing verfiying something that doesn't exist... they just take this stuff way too lightly.
You should definitely file complaints with the AG and FTC. We all really need to start doing this so that their violations of the law are brought to the attention of the gov't. Otherwise they think that everything is just fine. Sirrowan
Thanks all for replying. I received a UDF form in the mail this weekend by the OC stating that they could not find any info by name or SSN. Therefore, I have proof from them that they could not validate. I wasn't particularly sure on where to go after that, but I will pursue this by filing a complaint and with an intent to sue to the CRA.
