HI everyone, I have been trying to post this question but for some reason my posts keep coming up blank. I really hope this one works. I sent out dispute letters for various items on Feb. 16. Some were received Feb 19 and others Feb. 23rd. All disputes were sent certified mail with return receipt required. All were in seperate envelopes with all pertinent information included. My problem is two investigations have not been completed. Both are hospital judgements which were vacated. I received a letter saying they get an extra 15 days because that is when they received necessary information. I called Trans Union and asked what information sent seperately was relevant to these judgements, the woman said none but they had not heard from the courthouse so they couldn't do anything and because they hadn't heard they needed 15 extra days. I thouht they had 30 days regardless, it is not my fault the courthouse didn't get back to them What can I do? Thanks in advance for your help. I hope this one posts correctly<crossing fingers>
-They can "add" 15 days to the investigation per FCRA 611 (a)(1)(B) http://www.ftc.gov/os/statutes/fcra.htm#611
Their 30 days are up. they don't get 15 more days simply because the DF failed to respond. They can only get an extra 15 days if you provided new info.The CH not responding is not New info from you!
************************ the 30-day period described in subparagraph (A) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ============================= (A) Ericam the consumer did not furnish the consumer reporting agency information during that 30-day period that is relevant to the reinvestigation. This being the case The CRA does not get another 15 days.
Well, ... great job to Erica for her interpretation. § 611. Procedure in case of disputed accuracy [15 U.S.C. § 1681i] (B) Extension of period to reinvestigate. Except as provided in subparagraph (C), the 30-day period described in subparagraph (A) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. In order for the CRA to avail itself of the additional 15 days, any additional info. furnished after they receive the dispute MUST be relevant TO THE DISPUTE. TU does this all the time Erica. It's a violation. Figuring out what to do about it, short of actually filing suit, is the tough part. The first thing I would do is memorialize this convo. In cases like this it's CRITICAL do this. http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=413646#post413646 Welcome to the board. .
hiding... They can only get the 15 days IF the CONSUMER sends information relevant to the dispute within the 30 days, not because the DATA FURNISHER doesn't respond. In this case the court house is the DATA FURNISHER.
Re: Re: Hope this one works 30 days up no RITE jam237 as I said below. ,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, ************************ the 30-day period described in subparagraph (A) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ============================= (A) Ericam the consumer did not furnish the consumer reporting agency information during that 30-day period that is relevant to the reinvestigation. This being the case The CRA does not get another 15 days. ~~~~~~~~~~~~~~ They never take it off the report when we make it right so why should we take it off the docket when they do? *** Victims of Credit Reporting *** http://members.aol.com/victcrdrpt/Score.html Special for newbies ------ Read these links http://consumers.creditnet.com/stra...0243#post410243
