Hi all. I initially sent out verification letters to the CRAs about 1.5 mths ago. Of course, they verified all the negative tradelines that I disputed. Around 5/1 I sent 2 CRAs a prodecure request letter, asking for a description of the procedures they used to verify, as well as the name/phone # of the people they called. Equifax simply reinvestigated the items (and of course didn't remove them). Experian sent back responses saying they already investigated, and they wouldn't be looking into them again. So....neither CRA properly answered my procedure request. What should my next step be? I see several options. Just trying to figure out which is the best. 1) Should I send another letter or fax telling them they didn't properly answer my procedure request, and give them another 15d to do so before I file suit? 2) Send them both a letter telling them I have them on violations, and offer to settle for deletion of tradelines. 3) Skip the letters and send them an ITS, but offer to settle for deletion of tradelines. Thanks all. As always, you are all tremendously helpful!! Deacon
This sounds like a job for Butch ,LB,Breeze ...... Betacredit or WhyChat -EXPERTS i have a pretty good Idea what I might do ...but I have not encountered that situation I think you are on the right track Try WILLFULLY NON COMPLIANT
Need to know why you are disputing it . If the TL is yours they can't remove it , you have to find something wrong with it. Did you get telephone numbers from the PI?
Do you think the CRA verified? If not, then try my guerilla tactic for stuck accounts... http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=342566#post342566
I had the same problem with EXP. I sent a letter stating the violated the law and they had 3 choices. 1. Delete the item 2. Pay me $2500 ( CA civil law) 3. Be sued They reinvestigated and verified. Now I have to either sue them or live with it. It seems like they don't pay too much attention to letters so I'd write one that doesn't take up a lot of your time.
