I sent in a dispute letter to Trans Union. They sent back my dispute letter and the envelope I mailed it to them in. They want me to provide them with my name, address, date of birth, SSN and signature. I gave them all but my DOB and signature in the original dispute letter. Should I send it back to them with what they asked for? If I do, can they consider this additional info and give themselves another 15 days to investigate the dispute?
the FCRA allows them to require proper idenfitication. This is one of the typical tactics they use to discourage people from disputing things. More than likely, they won't do anything until they get that info. I'd send them what they want, along with a note saying that you were not providing any additional information relative to the dispute, under 611 (a) (B), and therefore will look forward to their response within 30 days of xxxx (the original dispute date).
THEY DON'T NEED IT...but if they won't do any thing with-out it...GIVE IT!!! 15 days additional IS NOT ACCEPTABLE...as long as you don't take 30 days to respond with signature and D.O.B. "THE 30 DAY CLOCK STARTED WHEN YOU RECEIVED THE FIRST LETTER...I HAVE PROVIDED YOUR ADDITIONAL FRIVOLOUS INFORMATION...NO 15 ADDITIONAL DAYS IS WARRANTED"
I second that. In addition, Section 611 (a)(1)(B) gives them 15 days if they receive an information "[color=0066FF]that is relevant to the reinvestigation[/color]". You've given them enough information to start the reinvestigation, so your DOB or signature shouldn't be relevant. In addition, the CRA's right to require a proper identification (§ 610 (a)(1)) refers to the disclosures to consumers, not to their rights to dispute. I don't remember seeing any rules about consumer's identification upon a dispute. JMHO
dont forget this: § 611. Procedure in case of disputed accuracy [15 U.S.C. § 1681i] (a) Reinvestigations of disputed information. (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. I think you should send them what they're asking for. (Now, if this was an OC or CA, I wouldnt give them anything other than the TL information.) But for a CRA, just go ahead and suck it up and play their game. Yea, it sucks...they'll probably take an extra 15 days (whether they technically deserve it or not). Your address, DOB, SS#... they already have all that. As for your signature, thats up to you. some people think you shouldnt sign, but i've signed all my disputes. Just sign your name a little differently than you usually do. Otherwise, the CRA could use the part above in red against you. And I've seen how upset people on here get when their disputes are labeled 'frivolous'.
You're right, crowmom, but don't forget that if CRA determines it's frivolous or irrelevant, § 611(a)(3)(B) obligates them to send him a notice that it's determined to be frivolous or irrelevant in 5 days after the determination including the reasons for the determination ... and I understand that's not the letter he received.
