Disputed with CRA, they say verified...what next?

[Candice]

If we dispute an item that we disagree with on our credit report, and they come back stating that it was verified and will continue to stay on, is there anything we can do? Can we request proof of this validation?

[hoping2rebuild]

CRA
ADDRESS
ADDRESS

Date

Dear Sir or Madam:

On __________ I filed a dispute with Experian regarding the account from _________ which appears on my Experian credit report. On ________ I received the results of the investigation stating that the account had been verified.

Under the Fair Credit Reporting Act, section 611(a)(7), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information and the telephone number of such furnisher, if reasonably available.

Please mail this information to me at the address below:

Name

Address

Address

Sincerely,

(TYPED NAME)

[Candice]

THANK YOU SO MUCH!!

EDIT: haha...how did you know it was Experian? --sarcasm

TU and EQ were so helpful and easy to work with. Stupid ex.

Message Edited by Candice on 09-02-2008 10:17 PM

[Candice]

Also, should this be sent CMRRR?

Is there a timeframe on how long they have to respond? And if they do not/cannot provide this information, are they then required to discontinue the reporting?

[Anonymous]

Yes, send CMRRR.

They have to respond with 15 days per FCRA.

No, they aren't required to stop reporting.

What did you dispute? Who is reporting it?

There may be other alternatives.

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Candice wrote:
Also, should this be sent CMRRR?

Is there a timeframe on how long they have to respond? And if they do not/cannot provide this information, are they then required to discontinue the reporting?

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Message Edited by sidewinder on 09-03-2008 07:43 AM

[Candice]

It was a civil judgment that I did not recognize. No information on the reports about who is reporting it, just date it was added which was 8/07.

EDIT: It also had appeared on TU and EQ. They promptly deleted the info.

Message Edited by Candice on 09-03-2008 12:43 PM