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Valued Member
jerrod76
Posts: 34
Registered: ‎06-25-2012
0

MCM wanting more information instead of processing dispute.

Hey yall,, MCM sends me requests for more info instead of processing online disputes.  I know enough not to send them anything. But fcra says they can either update, delete or block info regarding disputes.  I cant find ANYWHERE that says they can refuse and request more info instead.  Do they have legal standing? Or is it a fcra violation?  Thanks:smileyhappy::smileyhappy:):

 

Valued Contributor
IOBA
Posts: 2,679
Registered: ‎08-13-2009
0

Re: MCM wanting more information instead of processing dispute.

I dunno.   But it is sneaky of them to ask for more personal information before they validate.  

 

How much information did you provide to them regarding the dispute?  An account number?  Your first and last name?  

 

I would never provide more information that what is provided to you from them.  That should be enough for them to look up the account and provide "verification".

Valued Contributor
annielorie
Posts: 1,207
Registered: ‎02-19-2012
0

Re: MCM wanting more information instead of processing dispute.

The responsibility is theirs do not help them gather more information they must validate or stop reporting. They must show proof not you


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Valued Contributor
chasmith
Posts: 1,062
Registered: ‎05-26-2010
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Re: MCM wanting more information instead of processing dispute.

I would respond something like this (snail mail, CMRRR):

 

"You made a report to the Credit Bureau.  If you made that report without sufficient knowledge of its accuracy you have already violated the Fasir Credit Reporting Act.  Failing to promptly delete the reporting when you have confirmed you cannot verify by your letter dated MM/DD/YYYY is a second violtaion.  Please confirm prompt deltion of your improper reporting."

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Established Contributor
Ravensfan2001
Posts: 556
Registered: ‎11-10-2012
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Re: MCM wanting more information instead of processing dispute.


chasmith wrote:

I would respond something like this (snail mail, CMRRR):

 

"You made a report to the Credit Bureau.  If you made that report without sufficient knowledge of its accuracy you have already violated the Fasir Credit Reporting Act.  Failing to promptly delete the reporting when you have confirmed you cannot verify by your letter dated MM/DD/YYYY is a second violtaion.  Please confirm prompt deltion of your improper reporting."


I think this is so funny. I disputed online with all 3 CRAs, and they're also asking me for more information. So can the letter that MCM sent to me today be proof that they cannot verify? Also, what information do they need to provide to validate a debt? In my letter, they have T-Mobile for $1067.53. I don't believe I owe them that much. But I don't have any of my own records from my T-Mobile account. So how do I handle this? (I'm sort of new at repairing my credit)


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Valued Contributor
IOBA
Posts: 2,679
Registered: ‎08-13-2009
0

Re: MCM wanting more information instead of processing dispute.

I have had CA's demand my full name, DOB, ss #, address, phone number, employer information, and a copy of the bill I was disputing.  Huh?   Seriously - they wanted me to provide all the information to them that they did not have.   I don't think (and it's been years since this has happened) that any of them could ever verify the debt.   And I did refuse to provide more information.  My stance was - they had enough information to put it on my CR and to send me a letter - then when I provided to them what information they provided to me in the first place (dunning notice), then they had enough information to pull up the account and verify.  I think (again, it's been years) that in each case the CA stopped trying to collect and removed from CR.   In each and every case - I did  not owe the money.   

 

Lol - if they insist they can only look up the account by your social security number, laugh.   Same with DOB, address, etc.  The dunning notice has an account number on it. That should be good enough.

 

As for your debt, it sounds like you acknowledge you owe some money, just unsure of the amount.  How old is the debt?

Valued Contributor
chasmith
Posts: 1,062
Registered: ‎05-26-2010
0

Re: MCM wanting more information instead of processing dispute.

If your objective is to get the reporting deleted, I would start with a letter along the lines I suggested, possibly as a "623 Letter" to the furnisher.

 

You could send a "method of Verification" letter to the CRA(s) citing MCM's claim they cannot identify you even though they posted to your account.  There's a court precedent saying CRAs may not just "parrot" verification by furnishers.

 

Do this all by snail mail, CMRRR.

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Mega Contributor
RobertEG
Posts: 17,683
Registered: ‎03-19-2007
0

Re: MCM wanting more information instead of processing dispute.

It is not improper, per se, for a party who is required to investigate a dispute to assert that the consumer has not provided adequate information for them to conduct a reasonable investigation of the accuracy of the information.

 

The direct dispute process provides specific provision for them to do so by simply holding the dispute frivolous or irrelevant, identifying to the best of their ability what is lacking.  However, your dispute was not a direct dispute. 

 

When disputes are referred to them via a CRA, they could respond that the dispute has inadequate supporting documentation to conduct a reasonable investigation.  However, they would then have to rely on the CRA agreeing, and thus holding the dispute as frivolous or irrelevant, as they dont have that authority when disputes are being handled by the CRA.  They should not ask the consumer for more info, they should request the CRA to dismiss the dispute.

Valued Member
jerrod76
Posts: 34
Registered: ‎06-25-2012
0

Re: MCM wanting more information instead of processing dispute.

 Heres the part thats weird to me.  THey are saying they cannot begin an investigation without more information.  I would understand if they wanted more info to complete an already begun investigation. But to say they wont do it until i give them info they re supposed to have? Seems fishy to me

Valued Contributor
IOBA
Posts: 2,679
Registered: ‎08-13-2009
0

Re: MCM wanting more information instead of processing dispute.

Again, i would go back to them with the exact information that they provided to you and say that should be sufficient for them to conduct their investigation.   If they insist on more information, tell them no.   Tell them that was enough for them to send you a dunning notice and to put it on your credit report.  If they still insist on more information, insist they delete since they can not validate.


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