Ok here's the thing I finally found out I had a split file with TU and that is the reason I was seeing results while my mortgage guy was saying nothing has change. Well I called them and I got it supposedly merged. I had 2 TL deletions on the "Good" file and then 7 days later I got the "Merged" File and it showed those same TL's previously verified. Qustion is can I send TU a weight bearing letter with copies of the two reports (Same Report Number) only seven days apart and tell them they are in Violation of the FCRA because they did not inform me of the re-insertion within 5 days?
