Quote:
Originally Posted by phantom
What do you mean by "damages"? I'm not suing. They can't arbitrarily decide that our disputes take 45 days and yours take 30. It seems clear cut that they have 30 days to respond. Period. This is not a re-investigation and yes, I purchased all 3 reports.
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I think you need to re-read "all" of the FCRA before you go correcting me. They can take 45 days if "they" deem that the dispute comes from a free report. In other words, unless you included a confirmation number, they can deem it as being free. It isn't arbitrary at all insofar as it is clearly stated in the FCRA.
For what it's worth, damages would include a denial of credit opportunity.
Finally, it is a re-investigation. Again, re-read the language of the FCRA. Consumer disputes are defined as requests for re-investigations.
Oh, did you send this CMRRR? Nope, you did it online which is the absolute incorrect way to do it. You have no paper trail.