Completely stuck
Date: Mon, 04/05/2010 - 21:33
I sent them a MOV letter there response to me was that they either verified it by phone email or other electronic means but nothin specific in respect to this debt. So there is no solid evidence from CA or Transunion on this debt. Plus the first name that there reporting this debt too is not my first name it is mispelled. What should Io???
Your option is to send a dispute letter once again, this time wi
Your option is to send a dispute letter once again, this time with copies of credit reports from the other bureaus. There is no other way but to challenge the credit bureau over and over to get a negative information removed.
I disagree. At this point, it is likely that a second dispute wi
I disagree. At this point, it is likely that a second dispute will not even be investigated by TU. They are not required by law to investigate the same entry over and over again. They are protected against what they may consider to be "frivolous disputes". Your target shouldnt be them, they are after all only reporting the info that the CA has supplied and claimed to be accurate.
Your target should be the CA. I would send them a certified letter informing them of the following:
1--you sent a validation request to them, and that they are bound by federal law to stop ALL collection effort, including reporting/updating on your credit reports, until they answer the validation request. Send them a copy of the receipt card proving that they signed for your DV letter.
2--tell them that they now have 10 business days from date of receipt of this letter to remove the entry from your trans union report, or you will take all necessary steps including legal action against them to remedy this situation.
The credit bureaus, to protect themselves, only need to show that they informed the creditor of your dispute and that they are only reporting the info that was verified by the CA during their investigation. They do not have to prove anything else. Also, sending them a copy of your other reports will basically be useless, because they cannot go off of those. They are legally bound to report the info that the CA has verified with THEM, regardless of whether or not it was verified to the other bureaus. The only time they can be held responsible is if you provide them with concrete proof that this is a mistake and they continue to report the entry anyways, and your other two credit reports are not concrete proof.
