27 replies to this topic

[Why Chat]

We got a letter from Mutual Credit yesterday stating that the account # I sent them does not exist in their systems, nor do they have any record of my wife or her address. Should I send a copy of this letter to Transunion (we have not mailed the follow-up letter to TU yet for this account)?

Is this account ONLY reporting to TU??

Is the account # and the name and address of the CA IDENTICAL in the letter and on the report??

If so, yes, send them a re-dispute letter as suggested below. ( MAKE SURE ALL THE DATA MATCHES)
FOLLOW UP LETTER TO CRA SEND CMRR
Dear CRA,
My name is xxxxx xxxxxx , my SS # is xxx xx xxxx.
I am sending this dispute certified mail return receipt # xxxx to make sure you receive it.
I have no knowledge or records of account # xxxxx on my report # xxxxx.
I have disputed this unknown medical account with the reporting Collection Agent,( copy enclosed with proof of their receipt),as per your instructions in your response of xx/xx/xxxx to my dispute of xx/xx/xxxx and have had a response from them ( copy enclosed) that states that they have no record of this reported account.

Please provide the name and address of the person providing the prior verification, and the manner in which it was provided in order that I may pursue additional legal remedies.

If you are unable to document your verification and refuse to delete, I will be filing appropriate complaints against you with the FTC for FCRA and FACTA violations,the OCR for HIPAA violations and appropriate State authorities.

Please note that as a recipient of private medical data you are also subject to the provisions of subtitle D of the ARRA ,SEC. 13407(1) BREACH OF SECURITY.—The term ''breach of security'' means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual.

Please note that the effective enforcement of penalties against you for this breach is under the penalty rules of the HITECH Act as issued 11/30/2009. .
I also reserve the right to include your Bureau in any legal remedies I pursue.

Very truly yours,

xxxxxx

I have a certified mail receipt showing Transunion received this letter on October 2nd. We did not get a letter stating that they are investigating, and when checking my wife's report today we found that TU has not deleted. It looks like they have effectively ignored our letter and documentation. How should we proceed?

Wait until 11/2, recheck your TU report. Make sure you are using the "back door" and not just viewing your original report. ( They do NOT update)

If there is still no action, call them and get through to a supervisor. TU is usually the BEST of the CRAs in terms of promptly and accurately investigating and deleting, ( of course they are also the WORST of the CRAs for garbage CA inquiries).

Got a response from TU today. Verified with no change I sent them the collection agencies letter stating that they had no record of this debt in their systems. I don't understand how Transunion could have verified.

File a complaint with the FTC:
http://www.whychat.5...paaftccomp.html

File a complaint with the new CFB
http://www.consumerf....gov/complaint/

Send TU a copy of both filed complaints

[syncracirca]

My wife's scores are now higher than mine across the board (mid 700s). Amazing!

We are applying for a mortgage a few hours from now. My wife and I are both opted out, but I'm concerned a JDB will pop back up on her report. We had numerous medical collections removed. My wife is signed up for daily credit pulls with USAA, so if we get home and see CA inquiries and collections pop back up from the mortgage pull, are there form letters for that?

Thanks so much for everything you've done for us Whychat. Your advice has changed our lives.

[Why Chat]

My wife's scores are now higher than mine across the board (mid 700s). Amazing!

We are applying for a mortgage a few hours from now. My wife and I are both opted out, but I'm concerned a JDB will pop back up on her report. We had numerous medical collections removed. My wife is signed up for daily credit pulls with USAA, so if we get home and see CA inquiries and collections pop back up from the mortgage pull, are there form letters for that?

Thanks so much for everything you've done for us Whychat. Your advice has changed our lives.

I assume you got your TU deletion??

Since you are opted out it is unlikely that the JDBs can come back on your reports, however, yes there are form letters for that.
http://www.whychat.5...rcraredisp.html

Be very careful with any 3rd party reporting service that you do not accidentally opt back in.