When I started this journey, I jumped in as a newbie and disputed a CA TL with the CRA first, came back as "verified" (of course) and then a few months later sent the validation letter to the CA which I recently received a "We're sorry about that, we are instructing the CRA to remove this erroneous TL, blah blah". (I know ,I know, I read books back to front ,too-just a bit backwards !) BTW, it was a TL that actually was in error and not mine-not that that really matters I suppose Anyway, how could CRA "Verify" if CA couldn't? Do I have a violation? If so, should I send an ITS letter. I have the CR where the TL says "checked". I have the letter from the CA, saying they are going to delete. Should I first ask for procedures ....or not give them the opportunity to correct their error and delete themselves? Is this enough ammo to fire at the CRA? Should I ask for the full 1000? Thanks for all your help.
Verifying a not mine dispute only requires a name and ss# match. In the absence of any communication from you, thats all the CA had to do.
HI Thanks for the reply. But how could they do that if it in fact wasn't mine? I know they didn't have a SSN for this Collection account-they couldn't have. It was a truly bogus account, I have a fairly common name.
Whomever did set up the account could have done so providing your real information (identity theft) or, There are ways that the CA can obtain the missing pieces of information as a part of 'skip-tracing'. Pull a credit report (PP would be collection activity -- even if the account is not really yours, they have a good faith reason to believe that it is) A lot of the major CAs pull the credit report as soon as they get an account, to weigh how aggressive they should be able to get with it.
