i am still learning and i am kinda nervous about the letter i am about to send to TU. i have read the FCRA several times now and i beleive i have a violation i overlooked before section 611 [the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph (5), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. i sent my dispute to TU CRR they received it on SAT June 8 they sent me a letter datd june 12 saying "We received your request on 06/10/02 and are currently investigating the disputed info. they new credit report is dated 07/08/02 thats 31 days begining on the 06/08/02 when i can prove they received it not the 10th as they said in their letter. 06/08/02 was on a saturday does that make any difference?please tell me if this is trying to hard to find a violation?
If they received it on a Sat, the judge will give them to Monday to start the 30 day period. Even if you are literally correct, a judge would not look kindly upon such a "minor" violation.
I'm curious about something. Even IF they were 1 day late in getting the update to you, what would you accomplish do you think by going after them for that? BTW, they have an extra 5 days from the 30th day to get the update to you.
i maybe wasnt going to do anything as i said i in my subject line i didnt know if it was a violation for them to say they received my dispute on the 10th when someone signed for it on the 8th it was 8 days after the 30th day when i actually recieved my answer to the dispute. the date on the new report was 31 days after they had received the dispute.
