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Easyk

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    Texas
  1. Just wanted to share my success story! Pulled my CR and finally the CA was removed on all 3 CRA, bumping my score in just weeks 30+ points. It was a combination of the Texas DV 1-2 punch, numerous disputes to CRA, complaints to BBB and finally ITS to CA and Underwriter. Thanks to all those involved in the Texas Mother Thread, especially to Centex and Walterg55.
  2. Just wanted to share my success story. Pulled my CR and finally the CA was removed, bumping my score in just weeks 30+ points. It was a combination of the Texas DV 1-2 punch, numerous disputes to CRA, complaints to BBB and finally ITS to CA and Underwriter. Thanks to all those in the Texas Mother Thread, especially to Centex and Walterg55.
  3. Just wanted to share my success story. Pulled my CR and finally the CA was removed, bumping my score in just weeks 30+ points. It was a combination of the Texas DV 1-2 punch, numerous disputes to CRA, complaints to BBB and finally ITS to CA and Underwriter. Thanks again to all those in the Texas Mother Thread, especially to Centex and Walterg55.
  4. Yes, response was well under 15 days. I would think that if they do not have the information requested reasonably available would have state such in the letter sent, not just disregard that important provision of the FCRA. But you may be right, might not be enough to prove noncompliance. Thanks for the input on this matter.
  5. Thanks for the response, just to clarify this is not an issue of validation. The Fair Credit Reporting Act § 611 (a)(6)( B )(iii) states the following: “a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.” In the letter sent by TransUnion by "procedure" it just says that it was investigated and made contact to gather all relevant information to verify the accuracy of the information reported.. blah blah blah, it does not include the name, address and telephone of any furnisher used to verify the alleged debt or even state that such is not available. The specific information requested under 611 of the FCRA was not provided, under section 616 of the FCRA failure to comply may result in damages. Am I missing something?
  6. Yes, already did a 1-2 punch Texas DV and already got some violations and getting deletions. This concerns a TransUnion violation under the Fair Credit Reporting Act, would also like to make them accountable for their non-compliance. Since the implementation of e-Oscar, I have read that disputes are not addressed correctly by CRA's consequently in great disadvantage to consumers. So, the question is what should be my next course of action?
  7. Hello, Need help on a possible 611 FCRA violation. 1. Sent a letter to TransUnion on April 15 requesting an investigation and disputing items to correct or delete, got response saying they verified the alleged debt on May 7. 2. Sent a second letter on May 24 requesting a re-investigation and disputing items to correct or delete, also to provide method of investigation, got a response saying they verified the alleged debt on June 10. 3. Sent a third letter CMRR on June 25 requesting under 611 of FCRA to provide detailed information of method of re-investigation including name, address and telephone of any furnisher used to verify the alleged debt, got a response July 2 with some "procedure" explanation. As to date, none of the information requested to verify said account was provided, which comes to my attention since the CA has also failed to validate under TFC. What are my options: Send ITS? File lawsuit for damages? File a complaint to CFPB? Any suggestions? Thanks in advance.
  8. Wow ashlia, this is truly an inspiring story, I am on the same track trying to get a CA under TFC violations, hope it can be resolved before litigation, thanks for sharing.
  9. It's not called the Texas Mother Thread per se but after several pages it starts being referred as such, it really has very valuable information. Here's the link: http://creditboards.com/forums/index.php?showtopic=240327
  10. Much more likely that they would take it on a contingency...lawyers like to get paid, too. Thanks, I don't mind lawyers taking on a contingent fee as long as I get deletion on my CR and a possible extra buck.
  11. Was your letter sent certified return receipt mail? Was your credit report marked as disputed?(1) They violated the TFC392 if they did not return a reply, with in the 30 day window, by not answering your questions or stating they needed more time to do an investigation. File a lawsuit (2) If the credit report wasn't marked 'disputed' file a lawsuit for FDCPA violations for false or misleading communications of a debt. Add more punch by using an attorney so they can tack on court costs and attorneys fees. Any good lawyer versed in TFC392 or the FDCPA will probably take this case pro bono publico. Yes, everything sent was CMRR stating only TFC, it was marked disputed in my CR but not sure if it was by CA or CRA I'll have to check. Guess I'm going to have to contact a lawyer to file the lawsuit, CA doesn't seem to understand Texas Laws, thanks.
  12. Follow up: It's been almost a month now from my last letter demanding deletion and haven't received any response from CA, underwriter or other. Should I wait a couple of days, write them again ITS or file a lawsuit? I really want to get the deletion, that is my main objective.
  13. No, the envelope has US Postage - Pitney Bowes paid on May 8, so it was probably mailed on or after that day.

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