Is this a shoe-in for deletion?

[gabealpha]

I sent a DV letter CMRRR to a CA reporting to TU and EQ. The letter came back undeliverable because there is no known forwarding address. Can I simply send a letter to the CRA's stating:

 

"Per FCRA you are required to report only accurate, verifiable information. Because the CA cannot be contacted, I demand this TL be deleted immediately. Enclosed is a copy of the envelope with the USPS undeliverable sticker."

 

Has this worked for anyone else? What are my chances?

[sportster]

No, that won't work, because the CA is a subscriber of each CRA and they obviously have a way to contact eachother.

[cadicae]

Actually, maybe something like that should work, because when you get your "verified" results back from the CRA they include a blurb "please contact the creditor" and I believe list an address (or maybe tell you to reference the trade line on the report, which lists an address). If that address is the one you sent your letter to, and it got returned, then that would seem to be unverifiable. Even if the CA actually communicates with the CRA through another method, the consumer can't use that method, and has to use the address given.

 

Hopefully some vets will come and help!

 

cadicae

[blondimom]

No, that won't work, because the CA is a subscriber of each CRA and they obviously have a way to contact eachother.

 

 

This is not necessarily true. I sent CMRRR's to Arrow at the address listed on my TU report. They were twice-never picked up at the post office. I told TU that my rights were being violated and that I was being provided inaccurate info. They deleted the CO on the phone, as I threatened going to the AG with this.

[BooM]

No, that won't work, because the CA is a subscriber of each CRA and they obviously have a way to contact eachother.

true, a CA is a subscriber of each CRA and they have a way to contact each other, but a consumer only has that address listed on their credit report to contact a furnisher. per the FCRA, furnishers of information are required to provide accurate information. if they furnish a contact address and a consumer is unable to contact them with that address, they are in violation of the FCRA and the CRA needs to either "reinvestigate" that tradeline and update with accurate information or delete the inaccurate tradeline.

[gabealpha]

Okay, here is the letter I wrote up to send to them. I wrote it on yellow paper with a blue pen so hopefully a real person will read it. Weigh in with your thoughts.

 

Dear CRA,

 

I recently attempted to contact a collection agency XXXXXX on my credit report #XXXXXXXX at the address listed on the credit report. The letter I sent via USPS CMRRR has been returned to me undeliverable because the company has “moved left no address, return to sender, unknown forwarding address.†I have included a copy of both sides of the envelope for your review.

 

As you are well aware, under 15 U.S.C. § 1681i of the FCRA, as well as numerous other places, you are required by federal law to report only accurate information. You have violated my civil rights by repeatedly reporting inaccurate information when I request my credit report, and when lenders view my report. This is a violation of federal law that I have a right to seek remedy for from the courts as it has caused me damage in how I am viewed by lenders, and terms of loans received.

 

I demand that within five days of receipt of this letter that the negative trade line associated with this complaint be deleted from my file, as required by the FCRA. If this demand is not met, I will be filing grievances with the Attorney General, annd the Federal Trade Commission.

 

I have included copies of my identifying information to prove my identity. I look forward to an expedient conclusion to this issue.

 

Sincerely,

gabealpha

[gabealpha]

Time to update you all. It Worked. On TU anyway. I sent the letters out to EQ and TU. TU deleted it within 3 days, but I havent heard anything from EQ yet, they just marked it as in dispute. Im writing up the complaints to send to the AG and FTC, Ill send them out next week if I dont see any results by then. My TU FAKO jumped 47 points when it came off! Thanks CB'ers!

[karma]

Time to update you all. It Worked. On TU anyway. I sent the letters out to EQ and TU. TU deleted it within 3 days, but I havent heard anything from EQ yet, they just marked it as in dispute. Im writing up the complaints to send to the AG and FTC, Ill send them out next week if I dont see any results by then. My TU FAKO jumped 47 points when it came off! Thanks CB'ers!

 

I am in the same boat, I have a paid collection for which I sent a letter which came back with forward expired note. I am going to write a letter. Thanks for the format and did you have any luck getting that removed by EQ and EX. Also, did you send the same letter to AG and FTC.

[joshmerd]

Nice job!

[vegasbound]

I had a collection company close there business and CRA's deleted when disputed..

[pksdpt]

I sent a DV letter CMRRR to a CA reporting to TU and EQ. The letter came back undeliverable because there is no known forwarding address. Can I simply send a letter to the CRA's stating:

 

"Per FCRA you are required to report only accurate, verifiable information. Because the CA cannot be contacted, I demand this TL be deleted immediately. Enclosed is a copy of the envelope with the USPS undeliverable sticker."

 

Has this worked for anyone else? What are my chances?

 

Thanks for the info Gabe.

 

I have a similar situation with a CMRRR coming back undeliverable.

I only have the email from USPS so far that says it was undeliverable.

 

Made one bonehead error, I used the address from the CAs website which differs from the

one on my EQ report only by the zip+4 in one digit.

The undeliverable error message only states the zip as follows:

Undeliverable as CARROLLTON TX 75007 03/10/06 10:45am

 

So I guess I will find out if the zip+4 error is an issue.

Thanks for the sample letter I will modify it for my use.

Best of luck.