Transunion Response to Verified

[Anonymous]

So I had a dispute come back verified and called Transunion to ask for how they verified and got back this response.

Does Transunion have to show be the documents they used during the verification process?

Thank you for contacting Transunion. Our goal is to maintain complete and accurate information on consumer credit reports. We have provided the information below in response to your request.

RE: General Policy

Transunion's procedure for investigating disputed information is to contact, by mail, electronic means or telephone, the source of information. Each source is advised of your dispute and is requested to verify the accuracy and completness of the information reported.

once verification repsonses are received, the disputed information is updated accordingly. Changes are reflected on the summary of results that is sent to you at the conclusion of our investigation. if you have any questions regarding the results of the investigation, please contact the creditor directly.

blah blah blah ...

Transunion

[RobertEG]

They dont have to provide information as to the method of verification unless you specifically requested that in your dispute.  FCRA 611(a)(6)(B)(iii).

You can file a request under FCRA 611(a)(6)(B)(iii) for their disclosure of method of verification, but since it was not included in your original dispute, it is questionable as to their requirement to now respond, after the fact.

This is just one of the many, many reasons why I almost summarily recommend that no consumer dispute through the credit reportiing agencies.

They are not a party to the initial credit reporting done by the creditor/CA, and are only an unnecessary middle-man in the process.  Worse than that, as the middle-man, they have reduced the entire process, for their economic benefit, to a sham dispute process.  All disputes are run through their automated e-Oscar process, which reduces, for over 90% of disputes, to only a three-digit dispute code.  Supporting documenatation that you labor to provide is rarely, if ever,forwarded to the OC.

You can now dispute directly with the party who posted the information to your credit report, using the new "direct dispute" process under FCRA 623(a)(8). All supporting documentation of your dispute is thus assured to have been forwarded.

This new process totally bypasses all of the garbage thrown at you by the CRA, including their use of their automated e-Oscar process, which distills your dispute to a three-digit dispute code, and very rarely involves forwarding your supporting documentation to the OC.

Sample direct dispute:

“This is a Notice of Direct Dispute with you, under the provisions of FCRA 623(a)(8)(D), of the accuracy of information you have posted to my credit file.

“In compliance with FCRA 623(a)(8)(D), this Notice of DIrect Dispute includes:

“Identification of the specific information being disputed:

            (specify the account(s) numbers, and the specific information)

“Basis for the dispute:

            (how their reporting was inaccurate)

“Supporting documentation:

            (all documents that support your dispute; make sure to include,

             as part of your documentation, a copy of the portion of your

             recent credit report showing their reporting of the disptued information)

“Under the provisions of FCRA 623(a)(8)(E), you have the duty to review all of the information in my notice of dispute, and to complete your investigation, and report back to me the results within 30-days of my notice of dispute..”

[Anonymous]

RobertEG,  How would this apply to a collection agency who refuses to respond to DV by certified letters and intent to sue letters?

This company just won't respond to anything should I dispute with original creditor or what?

[RobertEG]

aot,  it doesnt.  No dispute, either through the CRA of directly wtth the CA, relates to compliance with the DV process.  It is not a credit reporting issue. DV matters are soley between you and the debt collector,  The CRAs are not a party to this process.

DV letters are for control of debt collection activities under FDCPA 809(a).

Failure to respond to a DV letter is the priviledge of any debt collector.

What a DV letter does is to require their cessation of collection activitities with you until such time as they may or may not choose to respond.

There is no grounds for disputing failure of a CA to provide response to DV letter.

Violation occurs only when, having received a DV request, they continue collection activities.  YOur remedy then is admin action by the FTC (which they wont enforce), or civil action in court.  Not by way of dispute to a CRA.

[Anonymous]

>>You can file a request under FCRA 611(a)(6)(B)(iii) for their disclosure of method of verification, but since it was not included in your original dispute, it is questionable as to their requirement to now respond, after the fact.

I did request this?

>>You can now dispute directly with the party who posted the information to your credit report, using the new "direct dispute" process under FCRA 623(a)(8). All supporting documentation of your dispute is thus assured to have been forwarded.

So your saying I should dispute with the CA who reported me, they are the same company who ignores the DV letters I send?

What do I do if they do not reply to this direct dispute process?

[RobertEG]

They MUST comply.  It is not discretionary.  It is federal law.  That is a major difference between the DV process and the dispute process.

Under the provisions of FCRA 623(a)(8)(E), they have the legal obligation to review all of the information in your Notice of Direct Dispute, complete their investigation, and report back you within 30-days of your notice of dispute of the results of their investigation.

[Anonymous]

What do I do if they don't?

[RobertEG]

Many recourses, and resources.  They would have then violated federal law.

FTC enforces administrative compliance with the FCRA, so you can file a complaint with the FTC, who can then choose to bring admin or legal action against the CA.

You can also contact your state attorney general, and ask for state enforcement.

YOu can file a compalint with you local BBB.

You can bring direct civil action against them for violation of fed code.

[Anonymous]

I found these details online

If the OC fails to comply with your dispute, they are in violation of the FCRA, but you can't sue them unless you have disputed with the Credit Bureaus FIRST.

Disputing with the credit bureau FIRST is not something you can shortcut or forget. In order to place the liability of reporting accurately squarely on the shoulders of the OC, you must have disputed the listing with the credit bureaus. This means you have either online, via the telephone or in writing, disputed a listing with the credit bureaus and then WAITED FOR THE RESULTS OF THE INVESTIGATION.

Here is the law which enforces the fact that you must dispute with the credit bureau first:

§ 623. (c) LIMITATION ON LIABILITY- Except as provided in section 621(c)(1)(B), sections 616 and 617 do not apply to any violation of--

(1) subsection (a) of this section, including any regulations issued thereunder;

(2) subsection (e) of this section, except that nothing in this paragraph shall limit, expand, or otherwise affect liability under section 616 or 617, as applicable, for violations of subsection (b) of this section;

[AndySoCal]

When you disputed did you did you provide any documentation to support your dispute ? Also what type of dispute was it? If have documentation to dupport your dispute submit with the dispute it saves time and aggrevation.