Does anyone PLEASE have any tips on how to get a CRA investigation started on an item that has been 'previously verified' one, two, or three times?? In other words, is there any magic language to use in the disp. letter? Even changing the basis of the disputes, which I am told should normally work, has not even resulted in them looking at an item for me, they just revert with 'previously verified' no matter what I say the basis is for the dispute. Seems all I can do is CALL IN disputes at this stage, and get the CRA's to very reluctantly begin an investigation after I plead my case. Isn't there any easier way????????????
Heh. I know what you mean, I will do anything rather than talk to a CSR at the CRA. I guess you could send them a strongly worded intent to sue letter...the FCRA says they MUST inv. every dispute, not that they only have to inv 2 times, etc. HTH
Mom, thats not quite right... 611(3) (A)FCRA 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 But what the heck is "reasonable" when it comes to a CRA. And what is irrelevant? Say hi to Pop!
You don't keep sending them the same form letters every time. And you certainly don't just keep saying "this account is not mine". You write a letter saying that I received your letter dated XXXX, XX, 2003 that claims my disputes are frivolous. The only thing frivolous is the fact that I have had to contact you 3 times for an account which doesn't belong to me and is being reported on my credit reports. Each time the XXXXXX creditor account has come back verified. The XXXXXXX creditor account clearly is not mine because....." and "I have no idea how you are verifying this information when XXXXX creditor can't even find my account when I call them. Please respond with the name and phone number of the person you talked to who verified this information as being correct. If you are in fact, unable to provide me with the information, I will be forced to file suit. This has gone on for far too long and I need answers now! ....etc etc." or something along those lines.
Some other things you may want to try... Write the oc crrr and request original documentation, applications, contracts, etc... that verifies in fact that you were a guarantor of the debt in question. When they fail, send them a follow-up letter demanding a deletion. Likewise, send a very strong letter to the CRA with copies of everything you mailed/received from the oc. Demand a deletion, do not request an investigation. Accuse them of conducting sloppy investigations, defaming your character, and willful non-compliance of the FCRA. Conclude your letter by stating that you have "turned everything over to your attorney for further processing". Or, if you just want an investigation instead, send in your same dispute but this time include a dispute for some other frivolous information on your cr that you have never disputed before (such as an old address or employment data). That way, they will have no grounds to dismiss your dispute as frivolous. Although, you can still get a "previously verified" denial on your real disputed item.
