accounts coming back verified. suggestions please

[jwhit012]

Ive wrote numerous dispute letters to all three credit agencies and keep receiving verification statements. All the accounts I want deleted have been paid through settlements from collection agencies. At this point Im not sure if i am wording the letters correctly or if I'm just out of luck. Maybe someone can help me out with a letter that worked for them or suggest what i need to include or say to get these accounts deleted. So far I have been using modified versions of the letter provide on the site. thanks for your help.

[chane]

What exactly are you saying? When you re-dispute, are you changing it up or are you saying the same thing?

[Lian]

If what you are asking for is deletion based on payment of the debt, that is not a grounds for dispute. Disputes relate to inaccurate credit reporting. Paying a debt does not make the derogs and delinquencies incurred along the path inaccurate.What is the basis for your dispute?

Additionally, since you have previously disputed, any renewed dispute based on the same grounds can be summarily dismissed without any substantive investigation on the grounds that it is "frivolous or irrelevant."

[jwhit012]

From what i understand just about anything can be deleted on my credit report, especially accounts that have been paid or no longer have a balance. i could be wrong but maybe the issue is that I'm not wording my letters correctly, and not providing enough ground for deletion; as you stated. Here are two of the letter i wrote, and maybe i can get some feedback on what I need to change. thank you.

1. I have discovered inaccurate information on my credit report maintained by Equifax. Please provide evidence that the following accounts belong on my report and that my rights have not been abrogated. In the event that none exist; please delete the damaging accounts.

2. I recently received results back from Equifax services regarding a verification claim and at this time would like this information to be verified again with all the specifics behind the investigation. I am aware by law that I am entitled to receive the evidence, the methods of investigation, and verifying parties which prove that these accounts belong to me. I ask once again if proper evidence cannot be provided to please delete these damaging accounts.

[Lian]

Looks good!

Yes, you certainly can assert the inaccuracy of any item of information, including the account itself. In most cases, it is not to the consumer's benefit to obtain entire account deletion, but if your assertion is that the account was not yours, you are correct. Entire account deletion is apparently appropriate.

A MOV letter is not a request for a new investigation. They can decline that as being duplicative of an earlier dispute (i.e., "frivolous or irrelevant" under the wording of the statute). What you are seeking is the method of verification of their earlier findings. Requesting a new investigation may simply result in refusal to do anything. I would limit it, at this time, to only requesting MOV.
If you want to beef up your MOV letter with reference to the statute, you might want to include:

In a recent verification of disputed information provided to me on (date), you provided the results of your investigation. I request, under the provisions of FCRA 611(a)(7), that you additionally provide me, withing 15-days from this request, a full description of the procedures you used to determine the accuracy of the disputed information, including the business name and address of each furnisher of the information you contacted in connection with your investigation/reinvestigation, and the telephone number of such furnisher, if reasonably available.

Of particular concern is the procedure and resulting evidence you used to verify that the account is, in fact, mine.

[jwhit012]

Thanks for the advice, worth giving it a try. I'll keep everyone updated with my progress. thanks again

[syme80]

I disputed inaccuracies both from CAs and OCs a few years ago and some came back verified, but i never followed up with MOV. Can i now move on to MOV or must i dispute again?

Thanks

[Lian]

Requests for the provision of a description of the procedure used to determine the accuracy and completness of disputed information after conclusion of a disptue are covered under FCRA 611(a)(7). No time limit after receipt of a decision on a dispute is specified for submission of an MOV request

[jwhit012]

ok, so i sent out the suggested letter(above) to all three credit bureaus and didn't have much luck. Once again they all claimed that they investigated the accounts and they all belong to me. I may not be approaching my particular situation the correct way , so let me reiterate my situation and maybe i can get further advise. the accounts I am requesting deletion are ones that have been paid in full and are still on my credit. From my understanding and read in many posts, i could have the accounts removed by submitting a verification letter. i could have missed something or possibly misunderstand all the info i read. Any other suggestions?

[Lian]

Bottom line is that you no longer have a debt to request any validation of.
Upon payment of the debt, it ceased to exist.

Payment of a debt never, in and of itself, negates the fact that you were previously delinquent in payment. Those prior reportings require no deletion based on your subsequent payment of the debt. In fact, the credit reporting guidelines of all the CRAs mandate that deletion of prior, accurate reporting should NOT be done on the basis of payment of the debt.

If the debt itself was disputed, it should have been addressed prior to its payment.
I see no recourse now other than a request for GW deletion.