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Procedural requests

Discussion in 'Credit Talk' started by whyspers, Mar 3, 2002.

  1. Mar 3, 2002 #1
    whyspers

    whyspers Well-Known Member

    I've noticed that it has been recommended that a procedural request be made AFTER a dispute has been verified. What is the reasoning behind waiting until after it comes back as verified?

    I have been putting it in with my disputes because I don't see how asking the procedure they used whether it was verified or not hurts. I have had no less than six requests ignored by EX to date. The majority ended up deleted anyway, but figure it was still a violation.

    Which leads to my next question. Do they have to respond to a procedural request when the account in question has been deleted or changed to a positive status?

    L
     
  3. Mar 3, 2002 #2
    Nave

    Nave Well-Known Member

    I would think that it really does not affect your rights to get complete and correct information, whether you include it with the dispute or send it after they reply with the verification results....the reason I would do it after I received the information from the CRA is to K.I.S.S. the dispute (Keep It Simple Stupid) so that the POINT of the dispute is fully understood without complicating the request.

    In fact I try to keep ALL requests to the CRA (and the CA) less than 1 full page, or at MOST 2 if I have to include a form to fill out. I have gotten pretty good results keeping ALL "legal-ese" and confusing verbiage OUT of my letters. I never quote FCRA text or obfuscate the information without need and I think including a procedure request WITH a dispute would be too much.

    Furthermore, they may NOT respond to any procedure request(s) within the dispute process and therefore it MAY be more productive to send it AFTER you get the results back from the dispute(s). Not to mention, I now do all of my disputing online, and there is no way to include this wording for ONLINE disputes so I guess I am "forced" to send them separately anyway :).

    I believe the CRA is required by the FCRA to respond to the "procedure request". This would make sense for full disclosure of the information reported on YOUR reports. After all it is YOUR report and supposedly YOUR credit profile information. Although I am not certain of this fact, maybe someone can post the relevant FCRA text that spells this out.

    -Peace, Dave
     
  4. Mar 6, 2002 #3
    EdG

    EdG Well-Known Member

    When you request a CRA to verify the procedures used to verify information on your credit report, what are they recquired to provide you?

    I sent a procedure request letter and got my response today. All I got for a respone was a copy of my credit report. The front page said that the address of the creditor was on my report (I can contact them), They told me I could get the number from information and that they could not give out the name of the person who verified the information. Blah Blah Blah. What the heck is this? I already know this information. Aren't they recquired to provide more than this?

    EdG
     
  5. Mar 6, 2002 #4
    LKH

    LKH Well-Known Member

    Here is the relevant section of the FCRA:

    (iii) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available;
     

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