Experian. I have a question. Does it say anywhere that they can say "previously investigated". Don't they have to label the dispute Frivolous or irrelevant or investigate the disputed items. I am going to talk with a lawyer...bad thing is that I am in Arkansas and I am pretty sure that none of them now a single thing. I have been receiving this letter for some time and seems now that Transunion is following their footsteps. We need to nip this in the bud. __________________________________________________ § 611. Procedure in case of disputed accuracy [15 U.S.C. § 1681i] (3) Determination that dispute is frivolous or irrelevant. (A) In general. Notwithstanding paragraph (1), a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. (B) Notice of determination. Upon making any determination in accordance with subparagraph (A) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. (C) Contents of notice. A notice under subparagraph (B) shall include (i) the reasons for the determination under subparagraph (A); and (ii) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information. (4) Consideration of consumer information. In conducting any reinvestigation under paragraph (1) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph (1)(A) with respect to such disputed information. __________________________________________________ Thanks Matt S
ok...after doing some research sounds like people think that Previously investigated means the same as Frivolous. May mean the same thing but nowhere in the above post does is say they can label if Previously investigated. It says to label it Frivolous or irrelevant not Previously Investigated. just asking...I am sure that I am asking for...well everybody. Matt
I only know that I've read suggestions of waiting 90 days in between disputes so that you won't be labeled frivolous.
