Ok.. I recently took a look at my TU report and found some obvious baddies that didn;t belong to me so I did the routine online dispute and even made a phone call explaining that I had some proof that I would liek to send to prove that certain account were not mine or were reported in error... well a few weeks letter I get the following in the mail... Thank you for contacting Trans Union. Our goal is to maintain complete and accurate information on your credit report. We have provided the information below in response to your request. Re; General Policy The federal Fair Credit Reporting Act requires Trans Union to investigate, free of charge, information on your credit report that you believe is inaccurate. If you have reason to believe that the fee charged by a credit repair company was too high, and/or its services were misrepresented, please let us know if you would like your situation to be referred for investigation by filling out and sending us the form below. With your permission, we will provide the information you send to the appropriate authorities. It would also be helpful for you to attach any brochures or documents you received from the credit repair company. If you have any additional questions or concerns, please contact Trans Union at the address below, telephone (800) 916-8800, or visit us on the web at www.transunion.com. Our business hours are 8:30AM TO ^^OPM, local time. When contacting our office, please provide your current file number XXXXXXXXX P.O. BOX 2000 CHESTER, PA 19022-2000 ................................................ they included a second sheet wanting me to list the contact info of the credit repair company that is helping me... The problem is that there ISN't a Credit repair company helping me... is this a standard letter sent to everyone or will my disputes made online be trashed??
It's their way of fishing for information. Some people will fall for it and send the documents in. Don't. It will complicate matters further. It's really none of their business anyway. They just want to know about the credit repair companies out there so that they can be on the look out. Since a good number of them have popped up recently, they are looking for signs that they are being used.
It's a standerd letter they send out. I had good luke making the CRA a party infact and kept forwarding letters and updating the CRA during validation of creditors. I think the 2002 FTC law on CRA is a great thing that realy helps.
I got the same letter in the mail from TU. I didn't send it back. I printed out a copy of the dispute I did online just in case I need proof I disputed. TU hasn't marked the accounts in dispute, but I guess a lot of people had that problem. I have about a week left before the 30 days is up.
