Judgements removed

[CreditCrisis]

I got something back in the mail the other day from TU that I’m not really sure how to process. I think it was them explaining how they verify a judgment? But it was jumbled and just didn’t seem right?

Should I dispute the judgments again and send along the letter that I received from the court clerk? Just to basically show that I beat them at their own game and to delete it?

[Trish]

Originally Posted by CreditCrisis

I got something back in the mail the other day from TU that I’m not really sure how to process. I think it was them explaining how they verify a judgment? But it was jumbled and just didn’t seem right?

Should I dispute the judgments again and send along the letter that I received from the court clerk? Just to basically show that I beat them at their own game and to delete it?

Was that their response to your procedural request letter?
Can you post what it said? I'm curious to see how they responded.

[CreditCrisis]

yeah i will have to do it tonight when i get home. it wasnt reall a response at all. but i will post it.

do you think that might be a good tactic though? what i said in my previouis post?

[Trish]

Yes, depending on how they are claiming they verify........you could send them a copy of your letter from the courthouse with a demand for deletion (NOT a dispute letter)

[CreditCrisis]

Let’s hope their letter fed me crap

[CreditCrisis]

Here is the letter I received in response to my judgment verification from TU

“RE: General policy

Transunion’s procedure for investigation 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/or completeness of the information reported.

Once the verification responses are received, the dispute information is updated according.” Yada yada

Does this do anything for me? The letter I got from the court house basically states that the person has to go there in person. This says its done my mail, electronic means or telephone? Should I write a new letter to the court house asking specifically if they verify a judgment/docket over the phone or via email?

[Trish]

I really don't think that's necessary.
I think you should draft up a letter stating that you have contacted the FOI and they state they do not report to the CRAs. Therefore, you are demanding deletion (be sure to stress you are not disputing) since they are not reporting accurate information and are in violation of the FCRA. Even if the courts do verify the info.......they didn't report it.......and chances are they didn't really verify it either.

I will look around and see if I can find any similar letters and then post them........maybe once you get a draft started, you can post it and if you would like to add anything I've found, you can.

[CreditCrisis]

thanks so much for the help. i will get a draft up shortly. also, when i send these, CMRRR? or just CM? postage is expensive! :p

[Trish]

For the CRAs, CM only is best.

[nitro69]

I had TU come back with "Received New Information" letter on a Tax Lien which has been paid back in 2006 and attempting to get deleted. Last week I sent a letter to TU :

Your company recently investigated and received new information in regards to a dispute on April 16, 2009. This letter is NOT a request to reinvestigate or dispute but demanding deletion of the public record immediately since you are reporting inaccurate information. Enclosed ia a letter from County Clerk/Register of Deeds which states " County/Register of Deeds is a recording agency only and does not report information to any party. " also a copy of TU letter on April 22, 2009 stating " Re: Verification Documents not Available: We store information in our records as it is supplied to us by creditors. " a copy of TU investigation results and a copy of my origional investigation. Again I stress that this letter is NOT a dispute or reinvestigation letter but a demand for deletion. If below items are not immediately deleted, I will be filing complaint(s) with the appropiate authorities.

I also received a letter from the IRS which states they do not report to CRA.

I will see what TU comes back with now.