Is a verbal dispute to the credit bureaus good enough to fix false credit reporting?



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Maybe.

We recommend that you dispute with credit bureaus in writing.

This ensures that they’re going to do their part in fixing it.

If they refuse to fix it after you dispute with them, then you sue them. Under the Fair Credit Reporting Act.

Hope this is helpful to you!

If you have any questions, feel free to leave a comment below, or give us a call at 1-205-879-2447.

Thanks for watching!

John G. Watts
Watts & Herring, LLC
Serving consumers across Alabama
205-879-2447

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how do you file a dispute with the credit bureau

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3 Responses

  1. VeganMicroFarm says:

    This is very TRUE.. I send a ratified affidavit to TU, EQ & EX, all three were treated like a normal dispute and none of them ever sent me any attempt to refute the information. Trans Union rejected my next letter as frivolous and I have sent them a copy of another ratified affidavit sent to the furnisher to produce proper documents that can verify the alleged debt by means of a sworn affidavit, deposition or contract as identified in Black's Law Dictionary.. The data furnisher also refused to validate the alleged debt and sends me a form letter stating the account is reported correctly, the verbage avoids the mention of any proof of debt or any instrument that can prove indebtness.

  2. James Gentles says:

    Hey John. In your opinion, are there any advantages or disadvantages to using the newer electronic return receipt with Certified Mail where the signature is provided via PDF rather than mailing a card back to you?

    And have you ever run into any issues where the recipient agree they received the certified mail (since you have their signature) but claim the letter was something different than what was actually sent? Or are the consumer's records (with a copy of the letter) and their testimony/affidavit to the contents usually enough?

    Thanks!

  3. queensofspades decs says:

    How about inquires? Do you have any letters or advice on that? Please let me know thank you.

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