Hi all, On August 2nd I sent a dispute letter to Transunion listing 7 inaccurate accounts. I received an updated report with 2 of the items deleted and 1 updated (saw no change on the report, go figure). The other four accounts were ignored. So...on Sept 13, I sent a letter asking for the name of the person who verified the 1 updated account and requested the deletion of the 4 ignored disputes. I received a letter yesterday stating that they would re-investigate and get the contact info and that it would take up to 30 days. Is this right? If they neglect to verify with my original request and I ask for deletion, can they take another 30 days to get me results? It seems as if they're stalling. Advice and $0.02 is welcomed and appreciated.
It's the reason you will find most people suggest only disputing three or four account maximum per letter. Some people will send a second letter with different accounts two weeks after the original to have dual investigations ongoing. If the original creditor was never contacted, you'll have to wait the 30 days. Sorry... Not legally right, but it's what always happens.
Thanks for the advice. I learned of this board AFTER I had already sent my dispute letter listing all of the inaccuracies. Oh well...
lbrown, Make sure when the investigation is complete you ask Trans Union for the procedural description of how the tradelines were verified. What they will do is wait about 28 days and send you an updated report telling you the tradelines were verified as accurate. When doing so, send them a letter certified return receipt, asking for the proceedural description, which should give the name, address, and phone number of the person who verfied the information. Note, by law, they have 15 days to get the information too you. Hope this helps.
lbrown, Make sure when the investigation is complete you ask Trans Union for the procedural description of how the tradelines were verified. What they will do is wait about 28 days and send you an updated report telling you the tradelines were verified as accurate. When doing so, send them a letter certified return receipt, asking for the proceedural description, which should give the name, address, and phone number of the person who verfied the information. Note, by law, they have 15 days to get the information too you. Hope this helps. *************************************** Terry, Thanks for the advice. Your last paragraph summarizes my confusion. One of the items can back updated with no contact info (in my original dispute, in bold, I asked that they send me contact info if the debt was verified). I sent a 2nd dispute asking for the contact info. They sent me a letter saying it would take 30 days. Do they have that long to re-investigate or is it 15 days as you suggest? Thanks.
I have read this thread like 80 times and I still cannot understand it. If you send a letter containing multiple disputes, and only some are responded to within 30 days, must those that have not been responded to within 30 days be deleted? If not, why not? What reason is there not to dispute everything?
TU did not start an investigation on everything... Just a few accounts... Of those they started the investigation on, if there was no response, they were deleted in 30 days.... Anything they never started an reinvestigation on would remain...
I still don't get it. The fact that TU did not start an investigation on certain disputes seems totally irrelevant. Why do you think validating one dispute waives the 30 day limit on the others? He disputed. They did not verify 4 disputes in 30 days. I still don't see why that's not end of story for those 4 disputes -- am i missing something? Nor do I get why one wouldn't dispute everything. inquiring minds......
FCRA allows the CRAs to determine what disputes are "frivolous" at their discretion. They can determine that numerous disputes at once are "frivolous", thus you dispute a few at a time. BTW, you don't have to wait until the first investigation is complete before starting another round of disputes. The 30 day period that you are looking at only applies after the CRA begins the investigation, not 30 days after you dispute the records. I hope this helps you.
They have to notify you if they feel the dispute is "frivolous." What they actually do is ignore whatever they please and figure you don't know any better.
I'm not telling you it's right.... I'm telling you it's the way they do it. Fuss and cuss all you want, they have all the power and you have to do it within their system... Only recently with online investigations have people had any success with starting more than 3-4 reinvestigations at a time.... because they remove the human element. Problem is TU's system seems to just be a nice clean way to send an email to a rep... they still manually enter the information into their system, so it's just like doing it offline.
Change that "have to" to "are supposed to" and you will be on target. There are alot of things that CRAs have to do, but everyone knows they don't.
Interesting. Is that the only defense CRAs raise?...cuz the reinvestigation offer sort of contradicts this logic. Whats the deal/past experiences/what can you tell me bout the fraud flag?
