How to respond to their frivelous: "We were unable to honor your recent request because we were unable to access your report using the identification information you provided." I was thinking along the following... "Enclosed please find both previously mailed letters, since no new information is being provided, your company is not entitled to an extension under the Fair Credit Reporting Act. The dispute in progress was received by Mr. Billy Kimble on December 01, 2003, and your company has 30 days from that date to complete the investigation of this erroneous trade line. The tracking number of that certified letter was "
Good ole Billy Kimble...he always signs for mine too...must be a man with a tired hand... With EXP, give them oen good faith opportunity to fix it and then file suit. Going round and round and round with them is a waste of your time and will only get you a headache and an ulcer.
After going about 15 rounds with them over the phone, I added this and sent two copies one to NCAC, and one to Consumer Affairs Special Services. Since the letter they are trying to ignore basically lists in way so many ways how they basically ignored the 20 pages of documentation in the previous dispute, and still listed the tradeline incorrectly. "Failure to complete the investigation within 30 days from December 01, 2003 is another violation of the Fair Credit Reporting Act, there is no right to refuse to investigate on the grounds that your company does not wish to attempt to locate the credit report based on the information provided by the consumer." IT TOOK THEM TWO DAYS TO MAIL the "We can't find your report" letter, so by the time they get this one the clock should really be tick tocking along nicely. And of course, "WE DON'T ACCEPT FAXES FROM CONSUMERS"; and of course they got really poed when I tried to read the letter to them when they asked the nature of my dispute...
