VERIZON ERC TWO YEARS AFTER CANCELLING THEY SENT A BILL AND SENT TO CREDIT BUREAUS Nationwide

Do not be fooled, TRW is no longer a Credit Reporting Agency (CRA). When you look up TRW Information Services you'll find that it was sold to Bain Capitol Inc and the Thomas H. Lee Company back in 1996. That business now operates within the United States as Experian. 

I would not accept an email as documentation of anything, period, ever. Yes, there are legal precedents for electronic communications. Still, if they wont put it in writing, on paper with their own letterhead at the top of the page and deliver it to you through the US Postal Service you'll be stuck trying to sue their lawyers in court at your own expense. In addition, if you try sending a copy of an e-mail to any of the three CRA's they'll just laugh at it and toss it into the trash. And they will not congratulate you for your wasted efforts either.

What you need to do is write to and require Verizon to Verify and Validate any alleged charges in writing under the FACT-Act subsection 312. (Read this section first so you'll understand just what they are legally required to provide, under their Additional Furnishers Duties). If this fails keep what they send back to you on hand, you'll need it later. Then, no matter what form of excuses or pitiful "demonstartions" you get from Verizon file a complaint with the Consumer Financial Protection Bureau (CFPB). Verizon will not reply to your complaint through them, although they will send a "response" to them. The difference being that in a Reply they would have to directly answer the complaint, which they wont. They already know just how ineffective the CFPB is and now so do you, but that's not the point.

The next logical step is to file a complaint with the Federal Trade Commission. Which is a buracracy that's as lumbersome and slow as any Federal Regulatory Agency you've come across. But, the trick is to hit Verizon where it really threatens and hurts them. Which is why you file an additional complaint with the Federal Communication Commission at the same time you file with the FTC. The FCC is not legally responsible for regulating Verizons billing operations. Still, when you file a complaint through the FCC Verizon has a set 30 days to Reply to the complaint. And it's the FCC that grants them a license to be and stay in business. What youre actually doing here is to create a battle for Verizon on two seperate fronts at the same time.  

On filing with the FCC make sure to include the contradictory information that Verizon has provided through any direct communications with you and then through the CFPB. My bet is that these will not be comparable in what they contain and will not detail or verify the charges in question. Point this out in your FCC complaint, then sit back and watch them sweat for a change... 

Also see Linda Johnson vs MBNA at the 4th Circut Court of Appeals to better understand what an "investigation" by Verizon, or any Collection Company, is legally supposed to look like. The key in telling you all of this is in an effort to explain how to use both Critical and Abstract Thinking to your own personal advantage. Good luck!