cach reponse to BBB complaint, how to respond?

[Jaguars28fan]

On September 07, 2012, the business provided the following information:
Thank you for bringing this matter to our attention.

We are unable to locate an account for jaguars28fan using the information provided by the consumer in his complaint. Please ask the consumer to provide a complete number - either the CACH LLC number or the original account number. Alternatively, we can search our data base using the consumer's social security number.

Sincerely,

Associate General Counsel

How should I respond to this?  I don't want to give them my SSN b/c I feel like they are falsely reporting to being with.  I don't have a full account number either, I have the account number that has the last 4 digits blocked out.  Can I respond if they can't find my information with my name, address, and the company they were suppose to be collecting on, that they should delete? 

[Shogun]

I agree with not giving them your SS#.   Where did you get your report?  If you got your free one from www.annualcreditreport.com it should have your full account number.

[djrez4]

Even with an annualcreditreport.com report, the account numbers may be redacted.

I was able to track down my full account number for an old account using multiple sources.  The reports blocked the last 4 digits, but I was able to get statements that blocked the first 12.

But, I'm in agreement with you - if they can't find the account using name, address, and OC, they should be deleting.  That and the first 12 digits of the account should be more than enough to locate it.

Do you have the Cach LLC number?

[Jaguars28fan]

I currently use USAA and do daily pulls, but they have the last digits X'd out.  I believe I've used all my free ones up for the year. 

I was just wanted to know which way would be better to respond... to work with them, or just tell the BBB they need to delete if they can't verify with my name (not a common one), my address, and the account that USAA says they are collecting from. 

[AvaMommy]

Jaguars what was the outcome with BBB and CACH LLC????

[ah12345]

Is your account out of SL I had an account with cach llc that I finally got removed after 6 months experian online dispute should give you account number. Don't send any personal information they have to proof that is yours don't help them. I would DV cach start making paper trail. Then go directly to the cra.

[chasmith]

Cach reported an account to the CRA.  If they did so without any information supporting that reporting it seems to me to be a big deal, and if the CRA doesn't accept this as proof that they cannot verify their reporting there's a potential violation against the CRA.  Tell them to go back and check the data supporting their report.

[ah12345]

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Experian-won-t-delete/td-p/1529872/page/2

Here's the letter I sent the CRA a few weeks ago and they removed cach llc from all reports I hope this helps I did make a paper trail so that might of help getting it removed.

[RobertEG]

The scenario is apparently a BBB complaint, with the debt collector responding that they have not located the account at issue in their records.

Perhaps it is an account archived by the OC, and thus they are having trouble obtaining confirmation from the OC. Who knows.

I dont see their response as an admission of unverifiability, but rather a request for more info.

It is a BBB complaint, and thus has no enforcement provisions under either the FCRA or the FDCPA.  Thus, I see no issues of compelling deletion based on their response to a BBB complaint

Did you ever file a timely DV under the FDCPA?  That is the statutory process......