I sent the following letter after a "frivolous letter". They are investigating so I guess it worked. "RE: FRIVOLOUS DISPUTE I received a letter on September 10 from Trans Union. The letter in question stated that my request for investigation on disputed items was being declined and labeled as â??FRIVOLOUSâ?. I understand that you are within your right under the FCRA to do this, but I am also within my rights to have a correct and accurate credit report. These items on my credit report are not mine and are very harmful to my credit rating. You asked for further proof that the accounts are not my accounts. How can I do this other than say, They are NOT MY ACCOUNTS. Further, I donâ??t see how you can verify the accounts when I canâ??t. I have attempted to dispute the accounts with the creditors and have not received a response." _____________________________________ I then restated the items I wanted investigated and that was the end of it. Hope this helps.
I think the more insistant and personal the letter is, the more likely they are to reconsider. I sent a "frivolous" follow up with a day by day, call by call, CRRR numbers, names of whom I spoke with and their responses, etc. I was VERY specific in stating that I called everyone from the east coast to the west coast for Transouth and NOT ONE person could find an account in my name! You obviously COULD NOT have verified this or your dispute procedures are inadequate.... blah blah blah. Ultimately, it was deleted. Sent the same letter to EX. They didn't delete, but marked it Pays As Agreed. I can't complain about that!
Great job. The CRA's like to pretend that your personal statement is NOT evidence. According to law it most certainly is. Your statement IS evidence and must be considered proof unless they furnish "contraverting evidence." that outweighs your statement. Preponderance of evidence and all that jaz. Giggling at Marie ~
Just in case this would be helpful, here are a few tips regarding what NOT to do: 1) DON'T include a photograph of yourself wearing a pink tutu and lime pantyhose with a little-bitty Post-It Note stuck to it which says, "I TOLD YOU I'M NOT FRIVOLOUS." 2) DON'T call Trans Union's Don Richman on the phone, identify yourself by name and Social Security Number, and then serenade him with your favorite Freddie Fender tune (especially "Feelings"). 3) DON'T send certified letters to Equifax and Experian, informing them that Trans Union has deemed you frivolous and that perhaps they should consider assigning the same designation to you as well. All of these have already been tried without success, so I thought I would save you the time. Doc
