Reply
Frequent Contributor
Posts: 309
Registered: ‎04-04-2012
0

TU won't let me dispute CA again?

I signed up for the TU trial membership for credit monitoring.  Anyway, under the CA that I've been fighting forever there is no link to dispute it.  However, there is a link for everything else on my CR.  It just says that I disagreed with the outcome of the dispute.  UGH!

Regular Contributor
Posts: 226
Registered: ‎09-04-2012
0

Re: TU won't let me dispute CA again?

Have you tried to call them on the phone?

Contributor
Posts: 94
Registered: ‎06-13-2007
0

Re: TU won't let me dispute CA again?

I hate disputing online because cra will only allow you to dispute an item so many times. I would advice you to have paper trails starting DV letter to CA then if they don't provide you with what you requested send a second DV telling them if they fail to comply you will file complaints with bbb, FTC and state attorney general. I have clean up my report doing so with this method. If they still on your report send cra copies of the letters along with copy of id and ssn. Its call the 1-2 punch on collections. The cra are require to provide you with method of verification if you so requested. If they can't provide you with documents or the name and number who they contact during the investigation they are require to remove the item. Disputing online only helps when you have already sent a DV letter to CA. If they verify and you didn't get anything from the CA they are now in FDCA violation.

Starting Score: 607 (5-3-12) EQ FICO
Current Score:671 EQ FICO (12-15-13);669 TU FICO (12-5-13); 699 (12-2-13) WALMART FICO; 695 EXP FICO (6-24-13)
Goal Score: 700+ Across The Board


Frequent Contributor
Posts: 309
Registered: ‎04-04-2012
0

Re: TU won't let me dispute CA again?


ah12345 wrote:
I hate disputing online because cra will only allow you to dispute an item so many times. I would advice you to have paper trails starting DV letter to CA then if they don't provide you with what you requested send a second DV telling them if they fail to comply you will file complaints with bbb, FTC and state attorney general. I have clean up my report doing so with this method. If they still on your report send cra copies of the letters along with copy of id and ssn. Its call the 1-2 punch on collections. The cra are require to provide you with method of verification if you so requested. If they can't provide you with documents or the name and number who they contact during the investigation they are require to remove the item. Disputing online only helps when you have already sent a DV letter to CA. If they verify and you didn't get anything from the CA they are now in FDCA violation.

I have just recently filed a BBB complaint about the CA.  I have already sent them two DV letters and they still haven't validated it.  It's been going on forever...or so it seems.  They also like to changed the dates to make it look current.  I know they are in violation and I'm sure they know.  They just keep messing with my CR. 

 

Contributor
Posts: 94
Registered: ‎06-13-2007
0

Re: TU won't let me dispute CA again?

I know what you mean I had a collection with cach llc and they were tough to get off. Until I found out sending copies of the letter and copies of the return receipt along with ssn and id. After that it got removed.

Starting Score: 607 (5-3-12) EQ FICO
Current Score:671 EQ FICO (12-15-13);669 TU FICO (12-5-13); 699 (12-2-13) WALMART FICO; 695 EXP FICO (6-24-13)
Goal Score: 700+ Across The Board


Mega Contributor
Posts: 19,825
Registered: ‎03-19-2007
0

Re: TU won't let me dispute CA again?

[ Edited ]

I hate disputing online because cra will only allow you to dispute an item so many times. I would advice you to have paper trails starting DV letter to CA then if they don't provide you with what you requested send a second DV telling them if they fail to comply you will file complaints with bbb, FTC and state attorney general. I have clean up my report doing so with this method. If they still on your report send cra copies of the letters along with copy of id and ssn. Its call the 1-2 punch on collections. The cra are require to provide you with method of verification if you so requested. If they can't provide you with documents or the name and number who they contact during the investigation they are require to remove the item. Disputing online only helps when you have already sent a DV letter to CA. If they verify and you didn't get anything from the CA they are now in FDCA violation.

_______________________________________

 

I disagree with almost everything opined in this post.

1.  There is no statutory requirement for a debt collector to respond to a DV request.  Their statutory requirement is to cease collection on the debt until such time as they have provided verification. 

 

2. The CRAs are not a party to the DV process.  It is a debt collection practices issue under the FDCPA between the consumer and the debt collector.

Disputes sent to a CRA deal with inaccuracies in credit reporting, not debt verification issues under the FDCPA.  Lack of resonse to a DV is not a disputable issue under FCRA 611(a).

 

3. So-called method of verification requests sent to a CRA deal with their providing a description of  their method of reinvestigation.  If a CRA fails to provide the requested description, the issue is one of their non-compliance with FCRA 611(a)(7).  CRA failure to provide the required description does  NOT require deletion of the disputed information.  The dispute remains verfied.

 

4, The so-called 1-2 punch process is, in my opinion, nonsense.  It is a theory that while a debt collector is under a cease collection bar as a result of a timely DV, they are prohibited from responding to a CRA under their statutory obligation to investigate the dispute and report the results to the CRA.

There is no statutory or case law support for the theory that conducting their statutorily required dispute investigtation and response of their results is a prohibited debt collection activity that places them in violation of the FDCPA for communicating those results to a CRA.

It's basically an argument that congress enacted one statute that prevents compliance with another.

Frequent Contributor
Posts: 297
Registered: ‎08-08-2012
0

Re: TU won't let me dispute CA again?


ah12345 wrote:
I know what you mean I had a collection with cach llc and they were tough to get off. Until I found out sending copies of the letter and copies of the return receipt along with ssn and id. After that it got removed.

WHo did you send the copies to? The CRBs?

Starting Score: FAKO: TU 602 EQ 550 EX 565 - 08|2012
Current Score: MyFICO: TU 633 EQ 637 EX 669 (AMEX PULL)09|2012
Goal Score: 700 across the board In my wallet: NFCU cashRewards 12000CL, NFCU LOC 10K CL, BofA cashRewards 5000CL, BofA PP 3000CL, JAREDS (AU) 1500CL, SEARS (AU) 7000CL
Under my mattress: Orchard Bank 320CL and Saks Fifth Avenue 100CL. Finally in the Garden. App Free Since 9/18/12 - No apps until March 2013
Contributor
Posts: 94
Registered: ‎06-13-2007
0

Re: TU won't let me dispute CA again?

Yes the CRA got copies of letters and personal information

Starting Score: 607 (5-3-12) EQ FICO
Current Score:671 EQ FICO (12-15-13);669 TU FICO (12-5-13); 699 (12-2-13) WALMART FICO; 695 EXP FICO (6-24-13)
Goal Score: 700+ Across The Board


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.

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

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com 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.