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Discussion in 'Credit Talk' started by bkshedevil, May 17, 2001.
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Re:They give me a headache everytime.
VJ | 122 posts since Mar 2001
126.96.36.199 | 05.15.2001 @ 14:26
My situation is probably different than yours.I have disputed everything on my file that is not
correct and have reached a point where it just comes back verified by someone in that
When I call that person the CRA says they called, they say they had no contact about this
verification and I 've got 3 letters back from these people saying they've never been contacted by
them on this matter.I then asked to speak to the contact person at their company that is
responsible for reporting to the CRAs and requested the correct info be sent and have received
copies of 3 notorized letters that were sent with acct corrections to the CRAs.Still no action and
when disputed again its like,what letters are you talking about,we didn't receive any letters.
Every company that reports to a CRA has only one person accepted by the CRA that can change an
acct.It doesn't matter if its like citi with 74 million accts.ONLY 1 person who has gone through the
security checks and been approved.
Now what there saying is this person is wrong or lying if she says she requested changes in my
file.(but she's honest enough to be trusted to update 74 million credit card accts every month)If
she calls in sick the 74 million accts don't get updated that day (or week)
They just don't realize I have the 3 letters back from the people they did not verify with and 3
different letters that were notorized by their contact person saying the info is wrong and this is what
it should be and that it was transmitted to the CRA dept that handles corrections as such.
So here it is .
Dispute 9 other line accts that are INCORRECT in some way,not including example #1.
File against the CRas for FCRA violations of Ex #1
and include the new disputes in the listing.
Put everthing in the same mailing,disputes and filling and sent RR .
Put the court date off untill verified,or 51 days.
If where going to court lets talk about everything, it won't cost me any more.
I know I am filing without giving them their thirty days to verify the new items, but my feelings are
they have already been verified incorrectly before and its real important they do it right this time as
it shows another pattern of willfull abuse(negligent/willful noncompliance).If they correct, I will drop
everything but Ex #1.(About 6 violations just there)
I think I just like the idea of sending the disputed item with a court case number already included to
show they can't laugh this one off.
Just need some more paperwork on the other disputes.
Wish me well, I need it.
I only dispute what is truely INCORRECT.
I understand about the consumer being the sworn enemy of the CRA,but what they fail to
understand is "When you have more than 1 enemy, your outnumbered."