my PR letter

[mountainmommy]

Think this will work:

 

Dear Experian,

 

Today I received notice that you verified a tradeline on my creditor report that is being reported by American Express.

 

Please tell me how you did that. Who did you talk to at American Express? Or did you write them? The FCRA says that you have to tell me this in 15 days if I ask. I don’t want a generic response of how you use various methods. I want to know exactly how you verified this.

 

Also, what is the date of the commencement of delinquency. American Express is required to give that to you. So when is that? And when will this tradeline be past the reporting timeframe? I don’t want the 7 year generic response, I want to know WHEN this account when delinquent, and WHEN it will be removed. This account is reporting charged off. So when did it chargeoff? What month, what year.

 

I expect your response within 15 days.

[SassyinAz]

I think it's perfect, mommy!

 

Direct and clear, they can't claim confusion.

 

Sassy

[JoeDirtPharmD]

Mommy don't mince words - just ask her about yeast infections in chat.

 

Great letter!

 

Now - what are you going to do when you receive a generic response?

[mountainmommy]

Mommy don't mince words - just ask her about yeast infections in chat.

 

Great letter!

 

Now - what are you going to do when you receive a generic response?

 

well the idea is to get the blame pinned on one or the other Exp or Amex

[Tinker_Bell]

Thanks for posting it, Mommy!

[mountainmommy]

Mommy don't mince words - just ask her about yeast infections in chat.

 

Great letter!

 

Now - what are you going to do when you receive a generic response?

 

oh and BTW, if you having any yeasty problems just ask Joe, he LOVES giving out advice on the proper treatments

[SassyinAz]

I knew I shouldn't have peeked, the ole yeast infection diversion!

 

I think whatever response she gets will be another violation, I love those double-whammy provisions, the date is required to be reported and the CRA is required to use it for the reporting clock.

 

There can't be any procedures being followed for maximum possible accuracy if the only date specifically required by the FCRA is missing.

 

Sassy

[mountainmommy]

I knew I shouldn't have peeked, the ole yeast infection diversion!

 

I think whatever response she gets will be another violation, I love those double-whammy provisions, the date is required to be reported and the CRA is required to use it for the reporting clock.

 

There can't be any procedures being followed for maximum possible accuracy if the only date specifically required by the FCRA is missing.

 

Sassy

 

Right. I mean if they have it correct, then my FICO shouldn't have dropped 70+ points. So apparently they DON'T have it right. Somebody is dropping the ball and I intend to find out who. :twisted:

[Credit Please]

good job MM!

[mountainmommy]

I got my response today:

 

on the front page has this is the additonal information blah blah:

 

Amex

Account # xxxxxxxx

THE ORIGINAL DELINQUENCY DATE IS 1/1998

 

THEN it says "We are responding to your request to verify item(s) on your personal credit report. We have already investigated this information and the credit grantor has verified it's accuracy. Please refer to the personal credit report you received for the name and address of the credit grantor who verified this information" then goes on how I can add a statement, and how long infromation remains. It then goes on about how when you question information (this part was interesting "and specifically why you believe the information is inaccurate") they contact the source and ask them to check thier records to verify all of the information regarding the tiem you questioned and report back in 30 days. blah blah blah

 

Still NO "HOW" they verified this specific tradeline :roll: And funny if the original delinquency date is 1/1998, why is FICO reading it as 7/2004.

 

And the account still is not back marked in dispute like it originally was.

 

I hate them all :evil:

[ygboi]

I got my response today:

 

on the front page has this is the additonal information blah blah:

 

Amex

Account # xxxxxxxx

THE ORIGINAL DELINQUENCY DATE IS 1/1998

 

THEN it says "We are responding to your request to verify item(s) on your personal credit report. We have already investigated this information and the credit grantor has verified it's accuracy. Please refer to the personal credit report you received for the name and address of the credit grantor who verified this information" then goes on how I can add a statement, and how long infromation remains. It then goes on about how when you question information (this part was interesting "and specifically why you believe the information is inaccurate") they contact the source and ask them to check thier records to verify all of the information regarding the tiem you questioned and report back in 30 days. blah blah blah

 

Still NO "HOW" they verified this specific tradeline :roll: And funny if the original delinquency date is 1/1998, why is FICO reading it as 7/2004.

 

And the account still is not back marked in dispute like it originally was.

 

I hate them all :evil:

 

OMG, that sux soooooooo bad mm! Beautiful letter, (simple, personal and very original) yet u get back a 95% canned response. I now have no faith in PR's and ITS's. I do hope it all works out for you.

[mountainmommy]

I got my response today:

 

on the front page has this is the additonal information blah blah:

 

Amex

Account # xxxxxxxx

THE ORIGINAL DELINQUENCY DATE IS 1/1998

 

THEN it says "We are responding to your request to verify item(s) on your personal credit report. We have already investigated this information and the credit grantor has verified it's accuracy. Please refer to the personal credit report you received for the name and address of the credit grantor who verified this information" then goes on how I can add a statement, and how long infromation remains. It then goes on about how when you question information (this part was interesting "and specifically why you believe the information is inaccurate") they contact the source and ask them to check thier records to verify all of the information regarding the tiem you questioned and report back in 30 days. blah blah blah

 

Still NO "HOW" they verified this specific tradeline :roll: And funny if the original delinquency date is 1/1998, why is FICO reading it as 7/2004.

 

And the account still is not back marked in dispute like it originally was.

 

I hate them all :evil:

 

OMG, that sux soooooooo bad mm! Beautiful letter, (simple, personal and very original) yet u get back a 95% canned response. I now have no faith in PR's and ITS's. I do hope it all works out for you.

 

Thanks ygboi.... I am convinced with their IQ level you just simply can't ask more than one question at a time :roll:

[TammyB]

I got my response today:

 

on the front page has this is the additonal information blah blah:

 

Amex

Account # xxxxxxxx

THE ORIGINAL DELINQUENCY DATE IS 1/1998

 

THEN it says "We are responding to your request to verify item(s) on your personal credit report. We have already investigated this information and the credit grantor has verified it's accuracy. Please refer to the personal credit report you received for the name and address of the credit grantor who verified this information" then goes on how I can add a statement, and how long infromation remains. It then goes on about how when you question information (this part was interesting "and specifically why you believe the information is inaccurate") they contact the source and ask them to check thier records to verify all of the information regarding the tiem you questioned and report back in 30 days. blah blah blah

 

Still NO "HOW" they verified this specific tradeline :roll: And funny if the original delinquency date is 1/1998, why is FICO reading it as 7/2004.

 

And the account still is not back marked in dispute like it originally was.

 

I hate them all :evil:

 

OMG, that sux soooooooo bad mm! Beautiful letter, (simple, personal and very original) yet u get back a 95% canned response. I now have no faith in PR's and ITS's. I do hope it all works out for you.

 

Thanks ygboi.... I am convinced with their IQ level you just simply can't ask more than one question at a time :roll:

 

 

 

mm,maybe they have a bad yeast infection that went to their pea brains :wink:

[DiamondEye]

Hi MountainMommy,

 

GREAT LETTER!!

 

I customized it to fit my circumstances and I'm going to send it to EQ and TU tomorrow.

-----------------------------------------------

 

Date

 

Crap Reporting Agency

666 Highway to Hell

Styx, Hades 99999

 

 

CMRRR # XXXX XXXX XXXX XXXX XXXX

 

 

 

RE: Formal Request for Verification Procedures

FCRA § 611. Procedure in case of disputed accuracy

[15 U.S.C. § 1681i]

 

 

 

 

To Whom It May Concern:

 

I received notice that you verified certain tradelines on my credit report from the following companies:

 

• xxxxxxx – Account # - xxxxxxxxx

• xxxxxxx – Account # - xxxxxxxxx

• xxxxxxx – Account # - xxxxxxxxx

• xxxxxxx – Account # - xxxxxxxxx

• xxxxxxx – Account # - xxxxxxxxx

• xxxxxxx – Account # - xxxxxxxxx

 

Please tell me how you did that. Who did you talk to at original credit grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of person you spoke with.

 

Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this tradeline be past the reporting timeframe? Don't provide the generic "7 years" response, I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it?

 

Supply your response within 15 days or delete the tradelines.

 

Regards,

 

DiamondEye

[tryingbetter]

How did this work for you Diamond Eye?

Thanks

[Roland99]

Bump for the good info.

[debtfreegoal]

subscribing

[hoosgirl]

Here's my PR letter I sent on 11/12:

 

Dear Experian,

 

On November 11, 2004, I received an online notice detailing the results of your investigation into my dispute regarding the XXX tradeline. The result was that the tradeline “remains.”

 

In that notice, you noted that, under the federal Fair Credit Reporting Act, I may request a description of how you verified the account. As a consumer, I am exercising that right as described in FCRA.

 

1. Please forward to me the specific procedure that you used to verify the accuracy and completeness of the information provided by XXX.

 

2. Please forward to me the business name and address of the furnisher of above information, and the telephone number if reasonably available.

 

As required by the FCRA, I will expect that you shall provide the above no later than fifteen (15) days after the tracked and confirmed delivery of this request.

 

 

EX mailed a response on 11/16, letting me know that when I dispute something, they contact the source of the information through an automated verification system or letter, blah blah blah. No address, etc. for the furnisher.

 

They definitely are a big believer in the form letter. I'm debating whether or not to respond back or just give up, sigh. So frustrating.

[monica]

I received the same thing 2 times from them. Im sending off an ITS and if they dont remove the items Im def going to sue them. They just are not following the law.

[syjs0507]

I found this thread while searching for a PR letter. I think it's great, but I have a question: I need a PR letter for a verified Allied Interstate collection account on EQ. But EQ already gives the following information on my report:

 

Allied Interstate Inc; Collection Reported 12/2004; Assigned 10/2003; Client - Sprint PCS; Amount - $171; Status as of 12/2004 - Checked; Date of 1st Delinquency 09/2003; Balance as of 12/2004 - $171; Last Payment Date 01/0; Individual Account # XXXXXX; Address: 3000 Corporate Exchange Dr Colubmus OH 43231-7689: (800)933-0516

 

So, isn't this the contact information they used to verify? They've also given the date of commencement of delinquency although it is incorrect. Should I word the PR to ask how this could be the 1st date of delinquency when I did not have an account with Sprint PCS on 9/2003? And ask them what the last payment date actually is since it is cut off and I cannot read it on my report? Do we break apart pieces of the TL and ask how they verified the pieces, giving more strength to our case when we receive the form letter?

[X Factor]

Hi MountainMommy,

 

GREAT LETTER!!

 

I customized it to fit my circumstances and I'm going to send it to EQ and TU tomorrow.

-----------------------------------------------

 

Date

 

Crap Reporting Agency

666 Highway to Hell

Styx, Hades 99999

 

 

CMRRR # XXXX XXXX XXXX XXXX XXXX

 

 

 

RE: Formal Request for Verification Procedures

FCRA � 611. Procedure in case of disputed accuracy

[15 U.S.C. � 1681i]

 

 

 

 

To Whom It May Concern:

 

I received notice that you verified certain tradelines on my credit report from the following companies:

 

� xxxxxxx � Account # - xxxxxxxxx

� xxxxxxx � Account # - xxxxxxxxx

� xxxxxxx � Account # - xxxxxxxxx

� xxxxxxx � Account # - xxxxxxxxx

� xxxxxxx � Account # - xxxxxxxxx

� xxxxxxx � Account # - xxxxxxxxx

 

Please tell me how you did that. Who did you talk to at original credit grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of person you spoke with.

 

Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this tradeline be past the reporting timeframe? Don't provide the generic "7 years" response, I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it?

 

Supply your response within 15 days or delete the tradelines.

 

Regards,

 

DiamondEye

 

 

Is this the best letter for getting CRA's to verify procedure used to verify a TL?

 

Or, is there a better one?

[X Factor]

How about this letter?:

 

Your Name

Address

City, State Zip

 

Date

 

RE: Procedure Request, dated December 23, 2005

 

NOTICE OF INTENT TO FILE COMPLAINT

 

To Whom It May Concern:

 

This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law. You claim to have somehow verify erroneous information, therefore I legally requested a description of the procedures used to verify this information.

 

As indicated by the attached copy of the letter and mailing receipt, on XXXXXX you received and accepted through registered mail my procedural request letter dated XXXX To date you have not responded to this request and have thus not done your duty as mandated by law.

 

Federal law requires you to respond within 15 days, yet you have failed to respond and it has been over 30 days. Failure to comply with these federal regulations by credit reporting agencies is investigated by the Federal Trade Commission (see 15 USC 41, et seq.). I am maintaining careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

 

For the record, the following information is being erroneously included on my credit report.

 

Company Name ......a/c #

 

You claimed to have verified the erroneous information, yet you refuse to tell me HOW you were able to do so. If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the FTC. As I stated, I am carefully documenting these events, including the lack of response REQUIRED under law from you. Any further delay is inexcusable.

 

Sincerely,

 

 

 

Your Name

SS#

[moriah]

I *really* hope that someone can find us some case law regarding PRs.

 

I don't feel that Congress would have placed that provision in the FCRA and gave a timetable for the request to be resolved if a simple form letter stating how they investigate every dispute is enough.

 

I'm going to keep looking.

[cadicae]

XFactor, it looks like the second letter you posted would be a followup letter to the first letter you posted.

[X Factor]

XFactor, it looks like the second letter you posted would be a followup letter to the first letter you posted.

 

So, you think that they both will work, or at least serve as evidence in court?

 

This year, I am not just sending letters anymore. It is time for court. I have an attorney friend who really knows this stuff and we WILL be going to court, should the CRA (Mainly EFX AND XPN) not do their freaking jobs!!

 

Someone also posted a thread stating that they use crayon and or large felt pens, to negate the computer of the CRA's from simply reading the materials. As well as stapling everything together like, 5 times.

 

Does this sound correct??