Valued Contributor
Posts: 1,063
Registered: ‎05-26-2010
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.

BK7 Filed 8/11/2009 Discharged 11/23/2009. Purchased new home 4/11/2012
Starting Score:11/16/2009 EQ 566 11/16/2009 TU 538
Interim Score: 12/27/2012 EQ 683 09/17/2012 EX (lender) 670 1/01/2013 TU 701
Current Score: 11/06/2013 EQ 708 11/06/2013 EX 702 11/16/2013 702 11/06/2013 TU 729
Goal Score: EQ 740 EX 740 TU 740
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