PLEASE read and HELP!! Now what??

Once again, TU is mixing words to make it look as if they right to do this. Below is the FCRA rule on this. What it says is that IF after they receive the initial dispute, they receive additional info that is relevant to the item in question, then and only then, can they add an additional 15 days to the clock.

If they receive a dispute on a completely different item, they have no right to extend the clock.

I think I would send an email to don richman, citing the law, and advising if the investigation is not completed within the allowable 30 day period, there could be some problems.

§ 611. Procedure in case of disputed accuracy [15 U.S.C. § 1681i]

(a) Reinvestigations of disputed information.

(1) Reinvestigation required.

(A) In general. If the completeness or accuracy of any item of information contained in a consumer's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph (5), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.

(B) Extension of period to reinvestigate. Except as provided in subparagraph (C), the 30-day period described in subparagraph (A) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.

(C) Limitations on extension of period to reinvestigate. Subparagraph (B) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph (A), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information cannot be verified.

 

There's a letter in the sample letters for answering one of those. I think it's the very top letter, even

 

gargoyle

you can also contact them and, being VERY indignant, ask them what right they have to assume you are using a credit repair firm. You are an intelligent person who has read up on their rights as a consumer under FCRA and you are extremely insulted by their response and attititude. Any additional actions like that and you will be contacting an attorney for libel and defemation of character.


fla-tan

 

Personally, I would make note of this, and let it go. . . When you're down to your last few derogs on TU that just won't come off, then send Don Richman or whoever, a nicely worded letter explaining ALL of their violations and watch the report become clean!
Do not waste all your ammo on just this thing!
Trust me. . . ;-)

 

Isn't that basically what I said?

 

I don't think so... i'm saying dont do anything about the situation until you're ready to sue TU and then bring up the many violations.
Are you saying the same thing, LKH? it's sunday, and i'm skimming posts instead of reading in-depth.

 

I suggested as you did, that she send a letter to d.richman explaining the violations and demanding the investigation be done within the 30 day period. Oops. I guess I'm skimming also. LOL I see now where you said "WHEN" you are down to your last few.....

Well, I would say this, if something isn't done now about their flagrant, willful violations, then they will continue to pull this crap on Gargoyle till they are notified about it.

 

LKH, Gargoyle--
Of course, you will make up your own course of actions. But in my experiences, when TU and the creditors refuse to budge, sending Don Richman a NICE but FIRM letter listing their violations and a willingness to sue, results in a completely clean report. No admission of guilt from them, of course, but a clean report nonetheless.

 

I would agree with that. Through numerous emails to Don Richman last fall, I was able to get a mostly clean report at that time. It became completely clean a short time later.

 

Sounds like effective use of your time.

 

What is this D.Richmonds email address? I have a problem with TU currently with 2 Derogs and they refuse to budge. Even send me the same letter as above.

 

1*..... They then go on to tell me that because I sent "additional information" they get an extension of 15 days.

2*Do they get extra time because I disputed 2 items?
3*How do I respond to this letter??
gargoyle
***************
1*No they don't.
2*No
Tell them that it was not additional information.
At the end of 30 days demand deletion and if they don't delete sue them.


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YES DON RICHMAN'S INFO WOULD BE GREAT IF SOMEONE COULD PROVIDE IT. I AM FIGHTING TU ON THE SAME THING. TRYING TO ADD 15 DAYS. B.S. WON'T ANSWER MY LETTERS.
STEPHANIE
THANKS

 

What is this D.Richmonds email address?

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