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Why Chat repo deficiency letter process - questions

The last post in this topic was posted 1074 days ago. 

 

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To make a long story short, I've got an ~$8k deficiency reporting from a Kia repo and sale in August 2012. More background on the issue here.

 

I started Why Chat's repo process as described here: https://whychat.me/repoltr.html. I sent the first letter to the dealership and to Kia, and the 14 day deadline for Kia to respond expired today.

 

I'm planning to send the second letter to the CRAs in the next day or two. A few questions about the second letter:

  • Does it need to be handwritten or can it be printed? White paper or something like blue or purple paper?
  • Why not send it CMRRR? I've had no problems sending CMRRR letters to PO boxes before.

Beyond the technical questions about the second letter, I've got a more philosopical question about what the overall outcome is. If the CRAs do not delete the account and just give the typical boilerplate response that the account was verified and meets FCRA requirements, what do I do then? Do I send them an ITS letter? Do I start a jack attack? Do I file a CFPB complaint?

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In the absence of any additional guidance, I wrote the dispute letter on yellow legal pad paper using a pinkish/purplish pen and mailed them CMRR.

 

Now I wait.

 

Hopefully they'll delete and not come back with a boilerplate response!

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Latest updates on dispute letters via USPS tracking:

  • Experian: delivered 9/29
  • Exquifax: ready for pickup as of 9/29, not picked up yet
  • TransUnion: "In transit, delayed" since 9/27, when it left the Philly distribution center headed to Chester, PA (a whopping 18 miles). I filed a missing mail search claim today...

Go figure! :stop:

Edited by habu987

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Ugh, sometimes I really hate USPS...

 

My dispute letter to TU seems to have vanished into thin air. Tracking shows delayed in transit with a last activity date of 9/30, and the missing item search I filed on 10/3 has turned up nothing.

 

My dispute letter to EQ has been available for pickup since 9/29, hasn't been picked up yet according to tracking.

 

Should I just send another copy of the same dispute to EQ and TU and hope USPS magically doesn't drop the ball this time?

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Status update...despite USPS totally failing at the whole tracking thing, all three CRAs have my dispute.

  • Equifax: USPS says available for pickup since 9/29. Alert on MF on 10/8 that EQ updated the Kia account to say in dispute. Received an email today saying the investigation process has started and can take up to 30 days, and asking me to opt in to online dispute results. I'm giving them till 11/3, if I don't have a letter from them by then, I will send them one noting that they're in violation of the 30 day limit.
  • TransUnion: USPS lost tracking info for it as of 9/30. I got an alert on MF about a new inquiry on TU so tried to log in via the backdoor to see what it was and inadvertently opted in to online dispute results for the current dispute with an ETA of 10/28. Crud. On the plus side, at least I know they did actually get my dispute and USPS' incompetence (in this case) stretches just to the tracking...
  • Experian: Delivered 9/29, no updates since then. Like with EQ, if I don't get a letter from them by 11/3, I'll send them a violation notice.

Just going to keep waiting...

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Another set of minor updates:

  • Got a letter from EQ on 10/14 saying they received my report of fraudulent activity. Nothing else, just a letter saying that.
  • Got an alert on MF today, 10/15, saying EX added a fraud alert to my report.

Counting down the days to 11/3!

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I have credit monitoring through Experian and just checked that report...Kia was deleted today and my score went up 20 points! One down, two to go!

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I have credit monitoring through Experian and just checked that report...Kia was deleted today and my score went up 20 points! One down, two to go!

 

Great Job!

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Pulled my monthly 3B report from MF today...TU deleted Kia, too, increasing my score about 25 points!

 

Bad news so far is that EQ updated the account to add a charge off notation for each month dating back to at least 10/15. Previously, the account hadn't been updated since 1/15. That dropped my score about 35 points. There's still the reinvestigation in progress notation on that item, and I haven't received anything from EQ, so hopefully it will disappear in the next week or two.

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Got an email from EQ saying the results of my dispute investigation are available online...which is odd, since I did not request online delivery...

 

Anyways, I went ahead and checked it out.

 

 

Results Of Your Investigation (For your security, the last 4 digits of your credit account number(s) have been replaced by *) >>> We have researched the credit account. Account # − XXXX The results are: We verified that this item belongs to you. If you have additional questions about this item please contact: KIA Motors Finance Company, 10550 Talbert Ave, Fountain Valley, CA 92708−6031 Phone: (714) 965−4838

 

What's my next step? The WhyChat letter I sent EQ included a MOV request, which EQ clearly did not provide. CFPB complaint? Another letter to EQ?

 

On a side note, the check dispute status page shows two other EQ disputes, both pending (one from 10/8 and the other from 10/22), and says results were mailed for both. I haven't submitted any other disputes to EQ besides the WhyChat repo dispute, so I've got no idea what these are about.

Edited by habu987

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I just saw this and wish to explain that the OP did NOT "follow the program"

 

 

I started Why Chat's repo process as described here: https://whychat.me/repoltr.html.

 

The initial steps are to opt out and delete old addresses.

https://whychat.me/GUIDEBOOK.html

To follow the "repo guide"

https://whychat.me/repoltr.html

 

he should have FIRST ( after opting out and deleting old addresses) have sent the CRAs the initial dispute letter

https://whychat.me/initdispltrsol.html

 

 

If it is only left on Eq. he should file a CFPB complaint against Eq as it is too late to try to backtrack the process

https://www.consumerfinance.gov/complaint/

 

In his complaint he should state that he properly disputed an UNKNOWN entry on his Eq report and that Eq refused to properly investigate and delete. He should also state that the same account was properly disputed with Ex and TU and they correctly investigated and deleted.

 

I don't know what else to suggest to the poster as he got himself enmeshed in the Eq. automated computer response system so any subsequent disputes would be treated as previously disputed. ( The guides CLEARLY indicate how to dispute properly to get the optimum results)

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I just saw this and wish to explain that the OP did NOT "follow the program"

 

 

I started Why Chat's repo process as described here: https://whychat.me/repoltr.html.

 

The initial steps are to opt out and delete old addresses.

https://whychat.me/GUIDEBOOK.html

To follow the "repo guide"

https://whychat.me/repoltr.html

 

he should have FIRST ( after opting out and deleting old addresses) have sent the CRAs the initial dispute letter

https://whychat.me/initdispltrsol.html

 

 

If it is only left on Eq. he should file a CFPB complaint against Eq as it is too late to try to backtrack the process

https://www.consumerfinance.gov/complaint/

 

In his complaint he should state that he properly disputed an UNKNOWN entry on his Eq report and that Eq refused to properly investigate and delete. He should also state that the same account was properly disputed with Ex and TU and they correctly investigated and deleted.

 

I don't know what else to suggest to the poster as he got himself enmeshed in the Eq. automated computer response system so any subsequent disputes would be treated as previously disputed. ( The guides CLEARLY indicate how to dispute properly to get the optimum results)

Thanks for responding, Why Chat. Several years ago, way before I found these forums, I'd disputed this account on all the credit bureaus and it came back verified (pretty sure I'd selected the verify all account info dispute reason). Since I had previously disputed it once online, I assumed that sending your initial dispute letter would be duplicative; additionally, there were no inaccuracies in the account info (creditor, address, DOFD).

 

What I've done to date:

  • Opted out
  • Deleted old addresses
  • Sent the first repo letter to the creditor
  • Sent the second, handwritten, repo letter to EX, EQ, and TU
    • At no point did I opt in for online delivery of EQ dispute results

I've filed the CFPB complaint, I'll see where it goes from here.

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The purpose in the initial dispute letter is to get an easy deletion of accounts that do not "match" the CRA's automated verification system. The purpose of the initial steps, IE opting out and deleting old addresses is to prevent your data from being sold to data miners.

https://whychat.me/GUIDEBOOK.html

 

The purpose of the snail mail special dispute letter is to bypass the automated "reading/responding" computerized responses from the CRAs.

 

https://whychat.me/initdispltrsol.html

 

The purpose of disputing is NOT to dispute the accuracy of the information being reported by a CA but to dispute the validity of the authority of the reporting CA to do so.( Or if it is being reported by an OC to dispute the right of the OC to report an account that is past the legal SOL for being sued)

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Check-in: I submitted the CFPB complaint a week ago. No news on that front. Yesterday I got the hard copy dispute results from EQ for the WhyChat dispute I submitted in September--same message as posted online, just boilerplate that they verified the account as mine, nothing about their MOV.

Edited by habu987

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What happens if a company doesn't respond to a CFPB complaint within 15 days? Here's what it says on the CFPB page:

 

 

We've sent your complaint to the company, and we will let you know when they respond.

Their response should include the steps they took, or will take, to address your complaint.
You should receive an update from the company within the next 15 days, and a final response within 60 days.

Today is the 15th day since I submitted my complaint, with nary a peep from EQ.

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Woohoo!

 

Just pulled this month's 3B report on MF and Kia was deleted from EQ!!! :yahoo:

 

By far not the last baddie on my reports (got a whole string of student loan lates from 2013 that I've been verrrrrrry slowly fighting FedLoan Servicing over), but this was the only active major derogatory! Whoop whoop!

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