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@Anonymous wrote:
*female*
That's exactly what I was thinking. Because I've disputed it twice and I figured they keep contacting the towing company and they just say yes but doesn't provide proof to the credit bureaus. I tried to do it myself once as far as getting documentation from the collection agency. But the woman,doesnt speak on the phone she just send emails which are listed with her name not AAA towing. So when I asked her for documentation showing I owed the debt she just sent me the fees owed for a car(no info on car) being towedfromLosAngeles to their yard. At the beginning well two years ago when I was contacted for this I even started to play with it andsaidok great so if the fees are 200$ for the time it's been on your lot your telling me I can come pay you 200$ and have an extra car to sit in my driveway and they said they no longer had the vehicle and even if they did I'd have to verify my identity yet they were contacting me saying it wasminelol.Sowth, I've never seen it, never been towed before, and when I ask for documentation all she does is send me a 2,200$ bill( she said interest charges is why it magically got so high) it's doesn't verify that it is mine or not, and it doesn't even say the car they towed not that that makes a difference cause I would know if I had been towed but wouldn't legitimate documentation show all of that including my name and address & stuff?
I would send every bit of that documentation to the credit bureaus. It's their responsibility to prove you're the person the collection belongs to (by 'their', I mean the creditor and the bureaus). I got a little bit of that same 'dance' from the ISP that was listed on my reports, but on the second dispute they admitted they didn't even have my social security number. While having the SS# is of course not a requirement for an entry on the CB reports, not having it weakens their case significantly unless they have strong 'other' documentation, which in my case, they didn't. It would appear that in your case their documentation would be sketchy, at best.
You have plenty of support to justify somebody taking a closer look at the account... and you certainly have nothing to lose.
Let us know how it works out!
@Anonymous wrote:
AAA COLLCTRS
1
1 account reported on Sep 03, 2015
Closed
Account #1
$2,176
Balance
SOUTHSIDE TOW SERVICE
Original Creditor
$1,683
High Balance
Dec 11, 2012
Opened Date
Jan 09, 2015
Last Reported
Individual
Responsibility
Account information disputed by consumer, meets FCRA requirements
Remarks
Note
This is a copy from my TU from CK. It's the only bureau it shows up on.
This gives a bit more info... you're not dealing with a tow company, you're dealing with a collection agency (AAA Collectors).
I would send them a certified letter (snail mail, no email) and demand a copy of all supporting documentation that the debt is yours. (Trust me, the $5 extra postage is worth it... be sure to get 'receipt requested' - it's the green card)
Once you get that, you can move forward from there. If they don't reply to your certified letter, you can actually use that to compel the credit bureaus to remove the entry from your reports.
If they do provide you with documentation, you can at least move forward from there.
Also, If you need help writing the letter, there are templates online you can use as a guide (google).
Again, good luck!
When a dispute is filed with a CRA, they refer a copy to the furnisher of the disputed information.
The furnisher is then required to conduct a reasonable investigation, and based on the results of that investigation, either verify the accuracy as reported, correct so as to overcome an inaccuracy, or delete if they can do neither.
There is no requirment under the dispute process that the furnisher must provide documentation, or "prove" the accuracy.
It is an admin process focused on conclusion within 30 days, not a legal discovery process.
Additonally, any evidence provided to the consumer is likely to be incomplete and/or contested by the consumer. The issue of "proof" is only decided by a court.
Thus, a dispute process does not base verification on a requirment that both sides first produce all relevant documentatin, and then provide a trier of facts to make a determination of proof. That is reserved for the courts.
If, after receiving verifcation of a dispute, the consumer wishes to require documentation and a full discovery of the facts, they have recourse to the courts.
A dispute is not appealable, and any second or subsequent dispute on substantially the same basis can be dismissed without any investigation by the furnisher of reinvestigation by the CRA.
Very helpful, Robert. Thanks.
@RobertEG wrote:When a dispute is filed with a CRA, they refer a copy to the furnisher of the disputed information.
The furnisher is then required to conduct a reasonable investigation, and based on the results of that investigation, either verify the accuracy as reported, correct so as to overcome an inaccuracy, or delete if they can do neither.
There is no requirment under the dispute process that the furnisher must provide documentation, or "prove" the accuracy.
It is an admin process focused on conclusion within 30 days, not a legal discovery process.
Additonally, any evidence provided to the consumer is likely to be incomplete and/or contested by the consumer. The issue of "proof" is only decided by a court.
Thus, a dispute process does not base verification on a requirment that both sides first produce all relevant documentatin, and then provide a trier of facts to make a determination of proof. That is reserved for the courts.
If, after receiving verifcation of a dispute, the consumer wishes to require documentation and a full discovery of the facts, they have recourse to the courts.
A dispute is not appealable, and any second or subsequent dispute on substantially the same basis can be dismissed without any investigation by the furnisher of reinvestigation by the CRA.
+1
All excellent information. Without getting into the legal specifics, I can say from personal experience that I've had really good results using the good 'ole certified letter method myself, but as always YMMV.
If you know your dispute is righteous (as in, genuinely not frivolous) there's no way I would give it a rest, but that's me. In the past, it sometimes took multiple disputes to have erroneous information removed from my own reports, but eventually I prevailed. (And yes, the information truly was erroneous, specifically it belonged to my father, who has the same name). I learned persistance with the CRAs at an early age.
We all have to do what's right for us.