Credit Card Center Advertiser Disclosure

Frequent Contributor
Posts: 313
Registered: ‎07-21-2012
0 Kudos

Do the CRAs ever respond to MOV requests?

I have sent several MOV requests to all three CRAs. I have sent them reminders. I have sent them copies of the law that requires them to comply. Still, no CRA has sent me anything more than a general policy statement. I do not see much left to do other than sent ITS letters and follow through with actual lawsuits. Has anyone ever gotten a real MOV response other than their standard form letter "Re: General Policy" or some such letter?

Community Leader
Epic Contributor
Posts: 29,569
Registered: ‎03-19-2007
0 Kudos

Re: Do the CRAs ever respond to MOV requests?

FCRA 611(a)(7) imposes a statutory 15 day period for providing a requested description of the procedure used by a CRA to determine the accuracy and completeness of disputed information.  About as clear as it could be.


They are apparently in clear violation of the statute.  I have seen copies of other responses to MOV requests wherein the CRA simply regurgitates their reinvestigation process.  Section 611(a)(6)(B)(iii) sets forth the requriement that their description must, at a minimum, provide the name and address of any furnisher of information contacted in their reinvestigation process, as well as their telephone number, if reasonably available.


You have two remedies under the FCRA.  First, treat it administratively by filing a formal complaint with the FTC.

The CRA must respond to the FTC investigation of the complaint.  Second, bring your own legal action against the CRA.


A dispute under the FCRA is not an option, as the issue is not one of inaccuracy of the information, but rather of the process used by the CRA in resovling the dispute.

Frequent Contributor
Posts: 313
Registered: ‎07-21-2012
0 Kudos

Re: Do the CRAs ever respond to MOV requests?

This is my next course of action, to be mailed tomorrow CMRRR:


Notice of Intent to Sue



[city, state zip]


September 14, 2012


Experian Information Solutions, Inc.

c/o [Registered Agent Name]

[Registered agent address]

[city, state, zip]


Re: Report Number [report number]; Investigation ID [#]


Dear Experian:


[Junk Debt Buyer] is currently reporting derogatory information on my credit report. The information they have provided you is not correct. I have disputed the incorrect information, but Experian has “verified” the account and has yet to delete it. On August 22, 2012, I requested that you provide me with the method of verification used. Again on September 6, 2012 I reminded you of your obligation to provide this information to me.


Please be advised that the general policy information concerning investigation procedures does not fulfill your obligations. Thus, to this date you have failed to provide this information.


I have explained your responsibilities in the two attached letters which you have already received, and I expect you know your obligations under the FCRA section 611(a)(7).


Although you are well past your legal deadline to provide this information to me and are already in violation of the FCRA, I am willing to forego any further action if you delete the [Junk Debt Buyer] trade line from my credit report within 10 days and never reinsert it.


Please understand that if you refuse to settle the matter by deleting the trade line from the account, you can expect a lawsuit to be filed against Experian in [my county] without any further notice for failure to comply with the FCRA section 611(a)(7).





New Contributor
Posts: 152
Registered: ‎02-07-2013
0 Kudos

Re: Do the CRAs ever respond to MOV requests?

Great ITS letter! I'll have to keep a copy of this if I ever need it. Many thanks! Smiley Happy

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.