On June 30 I called Exp and got them to investigate an old account that I had disputed with them twice before and they somehow verified. After I finally convinced them to reinvestigate I pulled my CR and printed the page where it says that "this item currently being investigated." Just a few days ago I received a letter from Exp with the results from my dispute. Its says that the account WAS PREVIOUSLY INVESTIGATED- and the account is still on my CR. I pulled my CR and it states that the account was verified on 7-2003! What the hell!!?? Also I was monitoring my CR every week. And the day that I noticed that they had taken the account out of dispute, I sent them a procedure request and they ignored it as usual. I sent the procedure request on July, 21 and its been well over 15 days. I know that I 'll have to probably file suit on them but do I need to show some damages of some sort. This is my very last tradeline to get rid of then my reports are all clean. Anyone please?
Yeah, just happened to me(online disputes). I just sent out another(typed) dispute and added that they must look into every dispute according to the law. Don't know if it will help, but I can always threaten to take them to small claims court. Good luck to you. FICO750
After reading Sect. 611, this may be the angle that I have to take. I disputed the tradeline on June, 30 and the letter that I received from them claiming that the Item had been previously investigated was dated July, 29. Well they were only 24 days late (B) Notice of determination. Upon making any determination in accordance with subparagraph (A) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.
Someone please correct me if I'm wrong but I should have these b@st@rds on 3 separate violations. Or atleast 2 anyway. 1. Failure to conduct a proper investigation. They had the tradeline listed in dispute for over 2 weeks. 2. They decided to terminate the investigation and did not notify me within the 5 business days by law. But rather 24 days later. 3. they did not send me my request for procedures within 15 days. I think that I could get them for not sending my request for procedures used because their decision to terminate the investigation should be void do to them not notifing me within the 5 day period.
I'm curious too. What's the way to deal with their consistent reply, "we've already investigated this?" Should I have my attorney write them? Do I have a pig's chance in Cracker Barrel to get them to remove a household account that I did not open?
