Thanks in advance, this board has been a great source of info. I have been reading for a while and finally took the plunge a few weeks ago and sent off batches of disbute letters to the three CRAs. TU's response - Obviously a third party is disputing things on your account, we can not investigate the disputes without a power of attorney authorizing the third party to act in your behalf.---I did not use a third party and sent them back a letter informing them of this. Experian response - The items listed could not be investigated because you did not tell us specifically why the info is inaccurate. Send us detailed reasons why the information is inaccurate, then we will be able to begin our verification process. --HOW DO I RESPOND TO THIS? Equifax - No response yet. I was hoping for some success by now and have been somewhat disappointed (but still determined). Should I re-send (and restart the clock) disputes to experian with specific reasons? Isn't the burden on the CRA to ensure the info is accurate? Thanks again
OK, bear with me now. Here's what you did wrong. You should have called all 3 bureaus. If you bought all 3 reports then they gave you a 1-800 number and a FIN# to refer to. At least you could have explained what you were disputing and the polite - but overworked - rep would have helped you. The way it stands now you've wasted valuable time sending form letters that appear to come from a credit repair agency and now you must repeat the process all over again. If you still have your reports refer to the FIN# on the forms and call the 800 number listed. Come in from the rain, grab a cup of coffee and make those calls. You can always follow-up with letters. Hope this helps =)
I got those same letters from TU and EXP and they went ahead with the disputes anyway. I never once sent them more info. Equifax did not send me a form letter, they just went ahead with my disputes. In MY opinion, don't call. If anything dispute online (and PRINT the confirmation).
NEVER call a CRA - EVER. You did nothing wrong. If you sent the letters certified, keep the green slip. Wait 30 days and then demand deletion and send an intent-to-sue letter. Unless they can prove it was from a credit repair agency, they must assume it is from you so the third-party crap just doesn't fly.
I believe the poster above my post means never call a collection agency ever. There is nothing wrong with speaking voice to voice with a cra rep especially when you have gotten nowhere with your form letters. You can always follow-up with letters or record the calls. the choice is yours. But it sounds like you need some answers now.
No, I mean never call a CRA. Form letters or not, the are valid and will hold water in court and the CRA knows this. An ITS will work wonders in this case. Please stop correcting me until you know what you are talking about.....
Thanks for the advice. Before sending an iTS letter though, shouldn't I wait the entire 30 days and follow-up with disbute letter #2 before dropping an ITS on them?
Yes, wait the 30 days. You can then send a second request if you want. I'd say go with the ITS though. However, this is where you may see some divergent opinions though.
