I noticed in the sample letters that there is one for a procedure request for disputes. Do I have the right to request this or is it something that can just be ignored by the CRA? TU is really giving me the run around and I need something!! Their 30 days time were up on 8/8, so on 8/10 I sent them a letter demanding that they delete as it has been 30 days (they had not updated or deleted). On 8/15, I received a request for signature from them so that they could "start their investigation". I emailed Don Richman at TU to see if I could get anywhere with that angle. He emailed back today saying that an updated report was sent on 8/16. Well, they claim they verified this information and the credit report is the same!!! How the hell can they verify on 8/16 if they had not yet STARTED the dispute?? This is really ticking me off. Does a procedure request sound like the next best step here? Thanks, G
EXERPT FROM "FCRA". § 611. Procedure in case of disputed accuracy [15 U.S.C. § 1681i] (a) Reinvestigations of disputed information. (7) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph (6)(B)(iii) by not later than 15 days after receiving a request from the consumer for that description. YES.
