Bkev wrote in another (pruned) thread: "most of the times if you argue about more than 3 or 4 accounts per request, you will be ignored and labeled as frivilous and they will never start an investigation. Ask people here Bill... It happens ALL THE TIME! But as normal, you "fail to see".... Now this raised a pretty important question. Are such requests being "ignored" as frivolous or are they being "labeled" as frivolous -- the latter would require a letter stating as much?
Yes, you are absolutely right. Yes, it does happen all the time. That's why I never dispute anything with a credit bureau except inquiries. And it's also part of the reason I never dispute anything with creditors or collection agencies either. I'm normally a contrarian. If most folks take the low road, I'll take the high road every time. If everyone else is rushing toward the scene of an accident, I will do whatever is necessary to go the opposite direction and avoid it like the plague. If a flame war is going on in an otherwise peaceful and tranquil message board, I like to avoid the flame sessions as much as possible. Credit repair companies like to dispute, so I never do that. And if others choose to either hire them or use their methods, that's fine. I understand that the month of December is a fine time to send in disputes to the credit bureau because they are so busy and short handed they don't have time to get the verifications done so they have to delete. So if I wanted anything out of the credit bureaus I would not bother them during the month of December simply because I would not be very likely to get what I wanted anyway. With my luck, I'd just get stomped on in the stampede. Bkev is exactly right when he says that if you dispute more than about 3 or 4 disputes per request you will be labeled as frivolous and your disputes will be ignored. As a matter of fact, I never did send in more than one at a time while I was still ignorant enough to dispute with the credit bureaus and it was only my 3rd or 4th dispute and they told me my dispute was frivolous and would be ignored. And that was enough for me. I never disputed anything again and I never will. Yes, Bkev is exactly right and I think everybody ought to listen to his wise words when he said what he did. He said "most of the times if you argue about more than 3 or 4 accounts per request, you will be ignored and labeled as frivilous and they will never start an investigation." and he is proveably right. And you just said that you believe him too. There is no disagreement here and you are preaching to the choir. And that should prove to all and sundry that there has got to be a better way. And there is. Listen to what Bkev says in this matter is my best advice. He is also right when he says "But as normal, you "fail to see"...." I don't see any sense at all in beating one's head against a brick wall.
I have a theory on this. We have read here that the clerks who process the disputes have 6 minutes to resolve each dispute. I believe that one letter counts as one dispute, even if it has many items disputed. Therefore, to keep up with the pace, the clerk only takes the first couple disputes in the letter, ignoring the rest. My own experience bears this out. Letters with a number of disputes result in the first few being resolved, and the rest ignored. Letters with two or three disputes result in all being resolved.
Tom65432 I sure would not want to argue with you on the above. I am certain that your findings are quite correct. What causes me no end of consternation is the last 5 words in the quote. All are resolved as you say. But to whose satisfaction they are resolved????? That is the burning bush question.
most of the times if you argue about more than 3 or 4 accounts per request, you will be ignored and labeled as frivilous and they will never start an investigation I have not seen an answer to my question. Which is it, ignored as frivolous or labeled as frivolous?
Any way you cut it, it all comes out the same. Dead meat. No investigation. Forget it. Ain't gonna happen.
Would somebody answer the question. Which is it, ignored or labeled? Do they ignore the request, or do they send a letter saying the request is frivolous?
OK! Finally I what you want to know. No matter what happens they are supposed to send you a letter telling you what the outcome is. The letter may varry in what it actually says, but they usually say something to the effect that it is frivolous and wil therefore be ignored or some closely similiar language. The reason I was not answering your question in the way you wanted is because they will usually use just about all of those words at one time or another depending on the credit bureau and the person writing. I can't immediately remember having had that answer in an awfully long time. I've pretty much put a stop to that foolishness. So now they come back wanting to know if the person is using some kind of credir repair organization. That just started happening, so I think I may have put an end to that dumb question too. Don't know for sure yet, but I think I got that one put to bed too. What they don't seem to want to stop and think about is that if they claim somebody was being frivolous when they actually and in fact had a real problem of maybe mistaken identity and trying to get it resolved that person would have every right to go ahead and get himself an attorney and go to court to sue the creditor or collection agency making a false claim and then make the credit bureau come in and testify against the collector and then they end up in a whole lot more hot water than they ever dreamed of wanting to be in. I don't know if that has ever happened or not, but it seems to me that if they came back claiming someone was being frivolous and the person had a real solid beef he needed to get off his report and a good attorney he could make the credit bureau wish they never thought of ignoring anybody. That's going to happen sooner or later if it hasn't already.
I have never had a dispute lableled as frivolous. If I put more than 2 or 3 in one letter, they ignore any after the first couple.
Well, personally, I've never done that. I always sent them just one at a time. So your answer to the question takes into account something I've never had any personal experience with. Back a long time ago, a couple of people on this board (and I don't remember who and don't care now) kinda laughed at me for telling them I don't believe in sending in more than one at a time and of course, they had their reasons for laughing at me too. They asked me if I wanted to spend the rest of my life fighting with the credit bureaus. Well, no, but it just begins to look like I might end up doing just that, but for other reasons. I guess deep down in my inner soul somewhere I must have some kind of a personal addiction to fighting flame wars because that's just about what fighting with the credit bureaus quite often seems to turn out to be. And that's why I never dispute with them. I can't see getting into flame wars with credit bureaus when there is no need to. Yet they come back with flames more often than not even to simple requests for verification. They want to know why I want them to verify it so they can come back with another one of their stupid replies about how the request is frivolous and they are just going to ignore it. I'm not going to play that silly fool's game with them because what am I going to come back with? So I just give them the reason that I want them to verify the thing right off the bat and they got to come back with some tomfool smart-aleck remark to that. They want to know if I am using some credit repair company and if so do I want to file charges on them!!!!!!!!! Yes, I do want to file charges on them at the earliest possible moment. I'm working on that right now and I don't think they are going to like the charges when and if I can get the job done either. But one thing they can bloody well count on is that I'm not going to give up ever. I'll find me a bloody club somewhere and when I do, I'll whang them one between the eyeballs they won't forget for a while. Right now, what I want to do most is to hit them with a class action law suit if I can. If I get enough people to put a class action lawsuit together and a good lawyer to take the case,, I just might be able to make it happen too. So your answer is correct, probably much more so than mine because I just don't go fighting with credit bureaus in the first place, and back when I had to fight my own bad credit problems I never did send in more than one dispute at a time. And I only disputed maybe 5 times even then before I decided there had to be a better way than that.
It all depends upon the mood of the person reading your request.... They can reject everything by labeling your requests frivilous in which case NOTHING is investigated and you'll get a letter telling you your request was labeled "frivilous" OR they only enter the first three or four accounts you request investigations for and ignore the rest. With EQF if you want to dispute everything at once, your best chance of getting something started is with an online request.
Yes, it is but it's up to you to enforce it. The FTC does a terrible job monitoring the CRAs. They also do a terrible job monitoring the CROs. A excellent reason I think the consumer should be aware of their rights and enforce the law whenever these companies break it.
