I sent out a request for procedures to EX for 3 TL's they verified. ORIG THREAD- http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&threadid=57452 Anyways, I got the usual "unable to honor letter". I sent a second letter, this time I included photocopies of: a bill, and DL, and included my SSN. Today in the mail I got the same "unable to honor" letter, and I called them up to ask what exactly they need for me to get my info, and the girl said they dont honor procedures requests, and i need to take up my dispute with the CA. WTF??? What should I do now? I think if I send another letter, I'll get the same "unable to honor letter" they've sent me twice. As always, THANKS IN ADVANCE!!!
It is an FCRA violation § 611 (a) (6) Notice of results of reinvestigation. (B) (iii) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available; (7) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph (6)(B)(iii) by not later than 15 days after receiving a request from the consumer for that description.
what if he just 'memorializes' the phone conversation, along with everything that's happened so far... Dear idiots, this happened, this happened, then this happened. then, this phone conversation happened. You've violated my rights and the law, here's proof, and I'm going to sue you in XX days if you don't delete the TLs in question. and puts it all in an ITS? why file before seeing what their response is to an ITS? if it comes down to having to file, he'll just look better to the judge because he tried to settle things out of court first.
ok, i read your other thread. What exactly did your procedure request letter say? What identifying info did you initially give them? are the 3 TLs yours? what reason did you give the CRAs as to why you were disputing them? this is what I would do: send another letter. I know, I know... everyone's saying "sue!" and you could i suppose, but they could come back with "not enough identifying info" as a defense. (and since I don't know what identifying info you originally sent them, that may actually be a good defense.) Send them what they supposedly need--more identifying info, but not everything they're asking for. tell them you're uncomfortable sending everything they requested because of identity theft. Since all they needed was your SS#, name, address, and TL information to investigate and verify the information, they shouldnt need more than that now to explain exactly how they did it. (investigated.) maybe you could send them a report #. and since they threw in the FCRA, make sure to quote the FCRA section pertaining to procedure requests. be very clear and concise. oh, and polite. Now if that doesnt work, or they ignore you, or bide more time by sending you another stupid letter that tries to confuse you...file suit for violation of the FCRA. That way, if you actually get in front of a judge, you can say "Look at everything I did to try and get them to tell me how they keep verifying inaccurate info!" that's what I'd do anyway.
