Please help bbauer, butch, jlynn, and all the other experts. I posted a version of this before, but with little suggestions on what my next move needs to be. TU reported 2 A/R by Cavalry Investments on my husbands CR in Aug. 2002. Cavalry Investments does not have a file on my husband, nor have they ever. The phone number TU gave for Cavalry is 914-244-9001, and turns out to be for MDA Drywall (I've only gotten an answering machine, so I don't know how long they have had that number.) The address TU gave is 110 South Redford, Mt. Kisco, NY 10549; there is no Cavalry Investments in that building; I contacted one of the tenants of the building and they said there has never been a Cavalry Investments there. I also contacted Cavalry Investments who, of course, said they were never located at that address. I informed TU of this. They agreed that the address and phone number they had given me did not match the one they have on file for Cavalry Investments. They said they would delete the entries and investigate the situation. I said that the deletion didn't help because we are the only ones who see an A/R anyway. Problem is SOMEONE has invaded our privacy. They said the investigation could take a while. What do I do? I have been reading the FCRA but I am not sure what my next step should be? Should I file a complaint withe against TU with the FTC? Should I write to TU? Is there ANY chance TU is going to actually be able to tell us WHO pulled the report? I'm guessing whoever pulled it did not have a permissible purpose. ANY suggestions would be greatly appreciated. Scary to think someone can give bogus information and access your credit report without detection from TU.
I read your earlier post, and I'm not really sure what your next step is either. IMHO you are going to have to wait until TU finishes their investigation, and find out exactly who pulled your report. I just can't see where you can argue (just yet) that TU didn't follow PP reasonable procedures, until you know what happened. If you did all this by phone, I definitely would write a letter CRRR relating everything AGAIN, so that you have a paper trail of what happened, and while waiting to see how this plays out. I also would find out who is handling this type of investigation, become a nuisance, and stay on top of it. Keep us posted!
Thanks jlynn! I am writing the letter now to TU for a paper trail. Seems like even if TU did not follow reasonable procedures, it really won't do anything for us per say, as we have no proof of damages (I could be off on this, still a newbie). Only person we have a claim against is a person who pulled without PP. I really appreciate the help; not having any luck finding similar cases on the board.
