Question about MOV

Anonymous · ‎11-26-2007

I disputed some account with EX in writing with a MOV request. I just rec'vd a letter from EX that says that they aren't going to investigate a couple of accounts because they have already been verfied as mine. I have the example of the MOV letter in commonly requested threads area and it states that I am demanding that they removed the items within 10 days because they can't be verified. Is this the letter I want to be sending?

Anonymous · ‎11-26-2007

Here's the letter I'm talking about:

Example letter:

FCRA Section 611(a)(1)(A)clearly states that upon receipt of a dispute Experian is to perform an investigation. Oviously, this did not hold true of my dispute of xx date. On xx date I received notice from Experian that my dispute had been "previously investigated". According to the FCRA, this is not an option.

Because of your blatant disregard for the FCRA, I am demanding that the disputed tradelines be deleted from my credit report. I am guaranteed, by law, that you will report with 100% accuracy and that any account I dispute will be investigated. You have proven that this cannot be done.

You now have 5 days from your receipt of this letter to remove the previously disputed accounts from my credit report. Be advised, that my attorney has in his possession all the letters and supporting documentation regarding this matter. If the accounts in question are not deleted he will file suit in Federal Court.

Anonymous · ‎11-26-2007

nfg wrote:
I disputed some account with EX in writing with a MOV request. I just rec'vd a letter from EX that says that they aren't going to investigate a couple of accounts because they have already been verfied as mine. I have the example of the MOV letter in commonly requested threads area and it states that I am demanding that they removed the items within 10 days because they can't be verified. Is this the letter I want to be sending?

A dispute is NOT a MOV. First you dispute in a letter or online. You tell them that account # da da da...is not mine or whatever you are disputing........the CRA has 30 - 45 days to answer you!!!

An MOV is sent after you receive an answer from any CRA.....the MOV is asking for the CRA to tell you who (OC or whoever) they received the info. from that is on your CR.

The letter that you have here is NOT an MOV.................this letter is an ITS letter to the CRA ONLY

after they do not answer your first MOV letter.

IF you filed a dispute & received an updated CR....AND then sent a MOV and did not get the correct info. that you requested....then you would send this letter!!!!

Message Edited by HappyDays on 11-26-2007 12:54 PM

Message Edited by HappyDays on 11-26-2007 12:55 PM

Anonymous · ‎11-26-2007

Thanks

Basically, after I got the results of an ex online dispute back, several items were verified. I then sent out a letter in writing stating that I would like the items re-investigated and if they were verified I wanted the MOV. I got a letter back stating that they weren't going to re-investigate. This letter example that I posted, is a letter under the frequently requested threads as a letter to send if they cra refused to verify. I thought it was an ITS letter but I wasn't sure I should send it out yet; however they did refuse to re-investigate. What do you suggest my next move is?

Message Edited by nfg on 11-26-2007 01:48 PM

jschaffer · ‎11-26-2007

They don't have to necessarily re-investigate. You should however send them a actual MOV letter to prove how it was verified, CMRRR of course. Then depending on what they respond with you may have further legal options open to you.

At the same time, you could contact the alleged original creditor and ask them if they have any records proving you owe them money (eg: signed contract), if they can't find any relevant records then you can forward that over to the CRA's and demand removal on top of the MOV. Obviously if the OC can't prove you owe, how can the Collection Agencies and the CRA's?

If they then give you a hard time you definitely send a ITS. But don't send an ITS unless you really intend on following through if necessary.

Anonymous · ‎11-26-2007

I thought they were required to investigate under the FCRA not matter how many times I request it.

Anonymous · ‎11-26-2007

They don't have to investigate frivolous requests -- a duplicate request would fall in that category.