This is wild - I had a case of ID theft and filed all the appropriate info, police report, ID Theft affidavit, etc. Then - supplied to the CRAs. Mainly TU, but the others as well, are saying up and down and sideways that they have 30 days to investigate. THIS IS NOT WHAT THE LAW SAYS. Clearly, in the amended FCRA and FACT act, it says as follows: "§ 605B. Block of information resulting from identity theft [15 U.S.C. §1681c-2] (a) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of-- (1) appropriate proof of the identity of the consumer; (2) a copy of an identity theft report; (3) the identification of such information by the consumer; and (4) a statement by the consumer that the information is not information relating to any transaction by the consumer." SO - I call TU Fraud div. and they swear, non-stop, that they have 30 days no matter what I say. THEN, they say call the FTC for confirmation. Appeasing them, I call FTC - here is the best part - I get transferred to a supervisor and THEY TELL ME THEY HAVE NEVER NOTICED THIS PASSAGE AND THE 4 DAY RULE. THEY SAY THEY ONLY WERE TOLD THAT THE CRAs HAVE 30 DAYS. What is this? Collusion? Do my eyes fool me or does it say 4DAYS !!!??!?!? WHAT THE &^@*#$ Is this not a slam-dunk lawsuit against CRA's? Am I missing something? Oh yeah, and in the meantime, I call all of the collectors reporting the stuff TU is dragging ass to delete, and they all claim they asked TU to delete first week of March. This just gets better by the second.
