Judgements removed

[CreditCrisis]

wow Nitro! Thats awesome! I hope it works out for you! I'm going to draft my letter now and obviously I will be using a good amount of your verbage:D

[Trish]

Good letter nitro! Thank you for posting it. Let us know how it turns out!!

[CreditCrisis]

okay..here it is. please let me know if i should include copies of the letters mentioned when i send it out.

thanks!

Transunion
Address

Date

Docket number:


To Whom It May Concern:

Your company recently investigated a public record that I have dispute due to its inaccurate reporting on my credit file. This letter is NOT a request to reinvestigate, but a demand to delete this erroneous record immediately.

If this record is not immediately deleted, I will have no choice but to file complaint(s) with the appropriate authorities. You are reporting inaccurate information and are in violation of the FCRA.

I received a letter from your company stating your 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 accordingly.”

I received a letter from the furnisher of information and they state: “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.”

Once again, if this devastating record is not removed in a timely fashion (30 days or less) I will have no choice but to file the appropriate complaints and or seek legal council.

Thank you for your time.

Me

[CreditCrisis]

can i get some input on this? lol please? :o

[nitro69]

The letter sounds good. I don't know if I would put in the wording on TU procedure for investigation, just my thought. I beleive give CRA as little info as possible. Let them dig the hole and we keep the paper trail. Send copies for your org dispute, TU reply, court letter.

Good luck and let us know.

[Trish]

Hey crisis....sorry I missed this :o

I tend to agree with nitro here....I don't think it's necessary to quote TU's response.
Maybe you can just say something like.........I received a letter from your company stating your general policy and I have contacted the FOI as you recommended. They state they do not report public records to the CRAs which is contrary to what you claim your procedures to be.

You can reword it of course........but maybe something along those lines.

[CreditCrisis]

okay...i sent that same "how to you verify i a public record" letter to experian and equifax and only TU has replied.

i had sent this letter

Experian
701 Experian Parkway
PO Box 2002
Allen, TX 75013

May 25, 2009

To Whom It May Concern:

Your company recently investigated and verified a judgments that I disputed with case number 00000000000000and Bankruptcy with case number: 0000000000 . This letter is NOT a request to reinvestigate. This letter IS a formal request for the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this investigation.

You have failed to maintain reasonable procedures to assure complete accuracy in the information you publish and I insist you comply with the law by providing the requested information within the 15 days allowed by Federal law.

As already stated, the listed item is inaccurate and incomplete and is a very serious error in reporting. This letter IS a request for the procedures used to determine the accuracy of the above accounts. It is NOT a request to reinvestigate. I look forward to correcting this error in the most expeditious manner possible.


Sincerely,

me

obviously i got the response from TU and already sent my sock it to ya letter, but exp and eq both havent replied. what should i send them now?

[Trish]

Has it been more than 15 days? If so, send them the PR letter again.......you can add in the letter that you've already sent them one letter (with the CM number and date they rec'd it) and you could also add in the FCRA statutes that state they HAVE to abide by a PR request.

Oh and if you want to you could even file an FTC complaint and add that along with your letter.
Grrrrr. Unbelievable. :glare:

[nitro69]

I received my TU investigation results back today from my demand for deletion of public record letter. TU states Verified, No Change Release of Tax Lien. Also in this result letter was an account from my org dispute that came back Verified and in this letter it states Previously Verified. The funny thing is I never asked for TU to reinvestigate that account. Then to add to this TU cluster, TU states personal information - new information below. Which I have now idea where this came from. I don't think they even read my demand for deletion letter, which was hand written. I think they get TU employees out of a cracker-jack box. :confused:

I have a letter from the IRS that states they do not report info to CRA.
A letter from Register of Deeds which states they dod not report info to CRA.
So a unknown third party reported the info to TU but they will not say who or do not have that info.

So anybody can report anything about anybody to the CRA !!!!!!!!! :mad:

[CreditCrisis]

Ok I have been fighting this one judgment on my husbands account for years! We filed a BK7 to protect us against it and to make it so that they couldn’t report. (it’s the ford judgment) anyway, they finally just decided to report it on Equifax as satisfied. Can they do that? And it says included in bk. Can I fight to get it off?