Talked to TU

[Anonymous]

about how they verified an account in dispute.  They told me they were not allowed to divulge that information. 

I know not to talk to them but I am so frustrated over this re-aged account I just had to.  Unfortunately, I am more ticked off now than before.  In the end I told them that they will be added to my suit in federal court.  I am filing against the CA and TU. 

[jsk300]

They must provide you the method of verification, pursuant to FCRA, Section 611 (a)(7).  Tell them that you can sue them for willful non-compliance under FCRA section 616.

[Anonymous]

I told them that.  They do not care. 

[llecs]

Like jsk300 said, here's the statute:

(7) Description of reinvestigation procedure. A consumer reporting agency shall

provide to a consumer a description referred to in paragraph (6)(B)(iii) by not

later than 15 days after receiving a request from the consumer for that description.

.......

And here's (6) (B) (iii):

iii) a notice that, if requested by the consumer, a description of the

procedure used to determine the accuracy and completeness of the

information shall be provided to the consumer by the agency,

including the business name and address of any furnisher of

information contacted in connection with such information and the

telephone number of such furnisher, if reasonably available;...

[Anonymous]

I understand what the statute is and says, it is TU who could care less.  When the case is filed against the CA, TU will be added for verifying inaccurate information and not providing MOV.

[llecs]

What they did was wrong, but how would you prove that in court?

[Anonymous]

Yep...proof.  That is the hard part.  Did you record the phone call? 

[Anonymous]

Proof what?  That they verified twice.  I have the dispute information.  That they told me they don't have to provide MOV.  I don't.   So, I will send them an MOV letter and see what they do.                              

[Anonymous]

Okay...the MOV letter will solve the problem.  I was referring to the "they told me" part.  The good thing about Texas, is that you can record phones calls as long as one of you know it is being recorded.  This means that you can tape these phone calls AND use them in court! 

[Anonymous]

I am also going to send them hard copy proof that the CA re-aged the account.  I have the before CR, the old account number and the reversed account number, and the CR when TU put it back on my report.  The CA is saying it is a new collection as of Dec 2007 when it happened over 7 years ago.  So, what happens if TU again refuses to remove it?