Reinvestigation????

Only if the customer requests it.

 

TU claimed that they verified my first dispute as not mine. I sent them a procedure request letter and they re-investigated without my asking them. The investigation result is still Pending at this time.

 

Procedure Information they dont need to issue this information. They do need to provide documents that they rcd from creditor or electronic update form.

When requesting the information I would advise to include actual FCRA law that allows you this right.

 

Yes, there is reason...they don't do their job...and you might be one of them...how you guys can verify something that is impossible to verify ???

You better go away Mr or Ms CRA's employee...

 

In my case, there is a very stubborn collection that keeps being verified, but when I call the supposed OC, they have no record of the account. I have repeatedly asked the CA to send me validation of the account but they refuse to. Each time the account is investigated by the CRA's, the reporting status changes. For example, first it was open but late, next closed but no lates, also the status numbers are like alphabet soup. One time, R1, then R9, then back again - I guess depending on the weather.

They need to reinvestigate especially when the consumer reports to them that the account is not valid, and has documentation from the OC that there is no account in existance.

 

I am just advising of what my understanding of the law is.

Employee of CRA...come on.. far from that..I have a large background of information and I am just giving advise.

I understand that alot of times items do not get disputed .. thats why I advise what i did .. complaining abt procedure gets nothing done ...


The best way to get a item deleted is to focus on them providing actual doc proof.. because if they cant the will have to update or delete. or be in violaton of the FCRA ...... Simple as that..

 

One quick question..

Doyou having the following

a document that stats that this account does ot exist.

Its needs to be on a letterhead, have a phn # and contact name with signature.

if you have this the credit bureaus has no choice

 

§ 611. Procedure in case of disputed accuracy
(a)
(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.

klfs:
The whole point here in asking for the procedure description usually is because they won't comply and will violate the FCRA.
Why qoute FCRA in your requests? The vast majority seem to do this, but for the life of me I can't see why. If they ignore you, all the better as they just dig themselves in deeper and deeper. The day I quote FCRA to them would be after they have already violated it repeatedly and I have a built a nice list showing a pattern of violations, and I'm ready to pursue legal action. ie, I wouldnt' show my cards until the games over and it's time to call

 

I tend to agree with Jason about not quoting FCRA, I think the CRA's generally could care less. I really don't think a CRA perceives a consumer as a threat because they can quote the FCRA. Although quoting FCRA may have more effect on an ITS, but who really knows. I think as more people use ITS, don't get what they want, and don't follow-up with a claim, the less effect an ITS will have, just like quoting FCRA.

I usually just sum the relevant part of the FCRA that applies to my situation in my own laymen terms when I write the CRA's.

 

Jason, you seem very knowledgable on credit repair. So I have a couple of quick questions for you. I have completed my first round of disputing and I had some success deleting items. If items come back as verified-- what next? Do I ask the CRA to supply me with written documentation? Also how much time should lapse before you dispute again? I have been disputing online with Experian... now when I try to re-dispute again.. they won't let me to it. They say that item has been investigated and now they want additional relevant information. What do you suggest. Thanks!