I want to proceed correctly and get all of my ducks in a row. I plan on taking the TU affiliate to court at sometime. I checked my report last week and they did not investigate anything and added a customer statement. I am still waiting on the mailed results of my investigation. What should I do now? Initiate another investigation and see if anything changes or Wait until I get the results back from the investigation, then send the procedure request. To find out "how" they investigated this info. Then intiate another investigation after that. or Wait until I get the results back from the investigation, then start another investigation, and after I get the results back then send a procedure request letter? I would greatly appreciate it, if someone could give me this info. You may email if you'd like. I am not sure of what my next step should be. I have had some luck working directly with the ca and the original creditors getting lates removed. The CRAs well that's another story.......
Beta- I really can't help you here, I was just curious which TU affiliate? I deal with Buffalo and I'm probably gonna file suit on them, they are MORONS!!!
It's the one in Tampa, FL. I've done a search under their name and nobody had anything good to say about them. They almost treat you as bad as a ca does.
Beta, My best advise is that the more ammo you have, the better your case will be. If you have only disputed once, and yes I know they have already violated the FCRA, you might send a request for procedures used and who they contacted. A lot of times they will claim to have verified something with a creditor, but when they give you the address and ph # for the creditor, you find out they moved years ago and the ph is disconnected. Then you know they didn't verify. Actually, I would probably send the request for procedure in 1 envelope, certified mail of course with r/r/r. and then possibly send a 2nd dispute in a separate envelope. Then if they pull the same crap, you at least can show you made multiple attempts to correct it but they decided to screw around instead.
