What a great thread! The only instance that allows a CRA to not investigate is if a dispute is labelled frivilous or irrelevant including that the consumer didn't provide sufficient information to investigate. They aren't saying that it is frivilous, they are saying that they won't because they already did. Unless they are willing to say it's frivilous or irrelevant, I think they are bound to investigate. That's my opinion, and humble too!!!!!! Sassy
Isn't there a form letter that follows immediately behind a dispute deemed frivolous? In my experience, there is no form letter for "2 times and you're out." That is just an internal corporate policy that Experian has come up with to save them time and effort, lazy bums. If you are a credit expert member, the system will not allow a third dispute--you get "we have already investigated this item. If you have additional information, send it to us." Wait! I didn't even get to tell you why I am disputing this yet! Or if you mail in your dispute, they just never get the dispute started. When you call and ask, you get the verbal of the "we have already investigated this." As far as the irrelevant idea goes, I think that pretty much anything I say to any of these CRA's falls under the "irrelevant in their opinion category."
