Judgements removed

[Trish]

Originally Posted by jboylecpa

I have three separate judgments on my CRs.

Should I dispute all three at one time in one letter or just one at a time?

Thanx.

I don't see why you couldn't do all 3.

[CreditCrisis]

Part 1: Okay, this is a two part question: I sent my dispute letters to the CRA's and I still keep getting back that I have not provided enough sufficient proof to prove my identity. I have sent 3 times now, a copy of my social, driver’s license and a utility bill, which they include in the letter is validation enough! What the hell? Why won’t they accept this and get on with my dispute? Is there any kind of violation going on here?

Part 2: I sent my validation request to the CRA’s for my judgments and also sent the letter to the court houses. No reply yet from the CRA’s but I did get this from the court house…what do you guys make of this?

“The court has no direct contact with credit reporting agencies. Employees of the different credit reporting agencies come to the court and review the public files. The procedures that the employees of the credit reporting agencies use to verify a judgment/docket are their own.

Regards,

Court Operations Clerk”

[Trish]

Originally Posted by CreditCrisis

Part 1: Okay, this is a two part question: I sent my dispute letters to the CRA's and I still keep getting back that I have not provided enough sufficient proof to prove my identity. I have sent 3 times now, a copy of my social, driver’s license and a utility bill, which they include in the letter is validation enough! What the hell? Why won’t they accept this and get on with my dispute? Is there any kind of violation going on here?

Part 2: I sent my validation request to the CRA’s for my judgments and also sent the letter to the court houses. No reply yet from the CRA’s but I did get this from the court house…what do you guys make of this?

“The court has no direct contact with credit reporting agencies. Employees of the different credit reporting agencies come to the court and review the public files. The procedures that the employees of the credit reporting agencies use to verify a judgment/docket are their own.

Regards,

Court Operations Clerk”

Part 1 - Not sure just yet but this has to be a violation.......this is honestly the first time I've heard of someone having this much trouble.

Let's both look through the FCRA and see what we can find out. In the meantime, you should file a complaint with the BBB and the FTC......the BBB may be able to help you resolve this. Then if we can find actual violations (especially since you have copies and proof of everything), you should list them out and maybe draft up a letter to their legal dept. This is BS.

Part 2 - Letter looks good to me. It tells how the CRAs verify it but it also states that they do not report it to the CRAs. That's what you would need to stress in your letter to the CRAs demanding deletion.

[CreditCrisis]

oh okay. i thought that this would have been a deal breaker for me for sure! but this basically says that its their responsibility to collect the information and still, what proof do they have that they did so?

thanks for answering my questions. i will get on looking up that info.

[Trish]

Well, it's just that the CRAs get the info from somewhere other than the courthouses..........but yet they report it as though they are getting it directly from them as the furnisher of information.......which is BS.

[Trish]

Crisis, (sorry if you've already told me)..which CRA is giving you all the trouble with proof of id?

[CreditCrisis]

Well, its been all three. but mostly Equifax. they have sent me letter after letter.

[jjgross]

I know what your going through and its so frustrating.Here's a thought take your picture and your information glue it on a milk carton and print I've been found and this is my correct information now lets get on with my dispute.

[Trish]

Then file complaints and then just go ahead and keep going with your regular disputes. Ignore their requests for proof of ID.

[CreditCrisis]

Okay. Will do. Thanks. Yes this really has been super frustrating.