Hello all, I am new here, I am so glad I found this site
I had pulled an online credit report from TU back in late March, and disputed (online) a tradeline from a JDB (for a utility co. in wisconsin) that I never had business to do with as I never lived in wisconsin.
the dispute came back verified by TU.
I sent (CMRR) a request or Method of Verification of this debt and have received a standard form letter from TU asking for proof of Current mailing Address. In the body of this letter reads "We have received (I believe the MOD letter) your request and are in the process of investigating the information which you disputed. However the address you provided (I fixed my current address online) is not listed in our records. In order to notify you of our investigation results at the current mailing address you provided, proof is required.
this letter goes on asking or copies of qualifying documents. i.e. drivers license, bank statements, utility bill, etc.
My question is, is this a normal reply regarding a request for MOD?
Im new at this and am not looking to leave any stone unturned.
Thank you
MOV letter
Hi titewad,
Can you tell whether or not you disputed this with the creditor or the collection agency?
The Method of Verification letter is sent to the credit bureaus when they fail to remove a wrong listing from your credit report. Under the Fair Credit Reporting Act you have the right to know as to how the credit bureaus could verify this wrong item on your report.
Try sending a second MOV letter with proof of your address. However, for more details you can refer to http://www.creditmagic.org/repair/verification-letter.html .
Hope this helps.
Regards,
Aaron
this is a normal stall tactic. I have sent them my driver's license with the number photo shopped out.
thanks u 2
Aaron and cinnamngrl, thank you both.
Aaron, I disputed (online at TU) about the tradeline with the CA, not the original creditor.
I then sent a MOV letter to TU and a Debt Validation Letter to the CA.
I got the Green Card back from TU, but not the CA (although the USPS website says they accepted the letter 0n April 25). I printed the acceptance information off the USPS website
Huh, where is that green card from the CA?
It has not been returned
Hi cinnamngrl,
Although I sent the letter to the CA CMRRR, I have not yet received the green card back. I had asked (in a diff. forum) i I should take this up with the USPS, but the responses I received were to wait as it may have gotten hung up, but its now been about 2 weeks and I have not received the green card from the CA.
I went to USPS.gov to track the letter and have printed out the info on acceptance though. (just dont have Green Card).
I will be getting together my response to TU for proof of address to send tomorrow, and while I am at the Post Office I will take the Green Card issue up with them.
I appreciate your help. Thank you
EDIT: Sorry I was not logged in
The Message above is mine. I forgot to log in.