I recently disputed a tradeline as not mine with a CRA. I got a letter from them saying they needed more information from me. They wanted a copy of my drivers liscense or my social security card and a notorized statement of my address or a copy of a utility bill that shows my address. Do I give them this info??? Why would they want it for a dispute?
I'd suggest re-sending the dispute. Appears to be a typical stalling tactic. Make sure you have as much info as possible (but not more than they give you in their reports) and have your SS# in the dispute letter. (some may disagree about the SS#...but i do it all the time..no issues) DB
YOU HAVE TO PROVE EVERYTHING... THE COMPANIES THAT PUT BOGUS STUFF ON YOUR REPORT HAVE TO PROVE NOTHING!!!
I included my SSN# in the original dispute. Should I just wait the 30 days. If they don't respond in the 30 days, what do I send them?
Don't wait the 30 days, respond to them now. Send a letter telling them All the information you needed was included in the original dispute. I've included a copy of the original dispute letter dated MM/DD/YY which was recieved on MM/DD/YY. Your company is still liable to the 30 day investigation period given by the FCRA. If validation is not recieved by you by MM/DD/YY (30 days after the original letter got to them) the disputed tradeline(s) MUST be deleted. ChrisB
So don't send them any additional information? Do I even need to respond or should I just wait the 30 days and send them a letter saying they need to delete the tradeline as per the FCRA?
I'd respond like chrisb said. Then if you ever sue them, you can show that you replied to their letter.
