TU received my dispute on the 21st of June. They mailed back their "completed investigation" on the 28th of June. Since they say it's "complete" can I now contact them as it says to "if this doesn't resolve your issues" or do I ask them to show how they validated what I disputed (it was public records). Shanyl
Did they fix what was incorrect? If not, notify them that your report is still inaccurate, specify what is incorrect and dispute again. Include copies of documentation showing their report is in error, if you have it. Your next steps after this, if this doesn't work, are requesting specifically how they verified. If they have not corrected so far, you need to assume they will fail to correct again, and start building your paperwork for the next step, a lawsuit, showing they were negligent and did not actually investigate, or adequately reinvestigate, given specific direction from you of what was inaccurate.
Not only did they not fix it, they only fixed something I didn't write them about.. deleted an account. And how can they investigate and get responses back in 4 days? Aren't public records like any other account? Disputable and requiring investigation when I do dispute them? Can I do as you suggested, rewrite them re-disputing what they didn't fix AND ask them to verify how they came to these conclusions? Papers and more papers.... love those trails....
Since TU in their letter to me stated that if I had any questions about their decisions to contact them, would this still cause them to flag my file as frivolous since it's before the 90 days and I'm stating that they didn't do my request?
Request procedures. They have 15 days to send you the info on how they verified the information. I can almost bet, they won't send you anything. Maybe just a letter saying this was already investigated. If they don't send it, they have violated the Fair Credit Reporting Act.
Hi icanfixit. I did request them in my letter that I originally sent to them. What I got back was a bunch of gibberish giving me lender/creditor contact info, contact info for the prothonotary's office (data researchers???), a copy of their "policy for information retention" and a blurb about "verification documents not available"... to contact the creditors directly. They received my CRRR on June 21 and the date of my letter is the 25th of June. If indeed that is the date of completion of their "verification", then the 15 days will be the 10th of July. I feel like a ping pong ball.
