I emailed him about the big inquiry question. That is, do CRAs have to investigate them. This is his response and it is time to open a can of whuparse on experian. They must reinvestigate inquiries. I know they think inquiries are "matter of fact" but these damage ratings and must be reinvestigated for legitimacy not simply re-reported as a fact that the inquiry took place. David A. Szwak Bodenheimer, Jones, Szwak & Winchell, LLP 401 Market Street, Ste. 240 American Tower Shreveport, Louisiana 71101 318-424-1400 Fax 424-1476 www.bjslaw.com
I did not ask. My email from a month ago went unanswered so I just snuck in a quick question as he is very busy. I am calling the legal council in california tomorrow for one last chance and then they can whine all they want it court over the 46 violations of the FCRA I will be filing.
I forgot to mention I also called the FTC today and asked about the 5 day notice for reinsertion. The lady said, and I quote as close as I can, that if the CRA for ANY reason puts a tradeline back on your account that was previously deleted they must by law provide notice of such within 5 business days of said reinsertion.' This leads to the question- is experian lying on purpose or are their consumer specialists just retarded and poorly trained?
As for the reps - they are probably both retarded and poorly trained. As for items reinserted, the 5 day notice pertains to items previously deleted as a result of a dispute and investigation of that item.
