Hi, I sent a letter to transunion on 6/5 disputing two items on my credit report; one a utility that was paid in december (supporting docs sent) and a dispute with sherman a$$quisitions (inc. ag and bbb letters). they just sent a letter dated 6/12 that states "we received a dispute regarding your credit report from a credit repair agency". has anyone received a letter like this? i have never contacted a credit repair agency. they also sent a form to dispute these items. should i use that form? thanks for the input, duke
I just received a similar letter from TU dated 6/13/03: "Dear Consumer: "Please accept this correspondence as notification that TransUnion has received a letter disputing information contained in your TransUnion credit file. "Your rights under the Federal Fair Credit Reporting Act guarantee the disclosure of your credit file. This act also affords you the opportunity to dispute an item contained within your credit file that you feel is inaccurate, at no charge. "If you used the services of a "credit repair company" (they assisted you in requesting this disclosure or dispute and you paid a fee for this service), you may be interested to know that government agencies are in the process of investigating some of these companies which may be charging fees and otherwise deceiving consumers. "If you have reason to believe that the fee charged by the credit repair company was too high and/or its services were misrepresented, please let us know if you would like your situation to be referred for investigation. "With your permission, we will provide the information you furnish on the following form to the appropriate authorities. "Please direct your future correspondence to the address given above with the file number provided in the upper right corner." How sweet of them to be so concerned... if only it were true! TU doesn't come straight out and accuse me of using a credit-repair service, but they do slyly hint and provide a form letter (2nd page) to report these "evil-doers." In reality, this is just a smoke-screen meant to intimidate the consumer and to keep TU from having to investigate disputes. The work must be really piling up if TU has to resort to these kind of tactics. (Hopefully, too much work for TU will mean "deletions" for me later on... fingers crossed) As recommended before, I will not reply to this letter, as it may give TU fifteen more days to investigate my disputes. In any event, TU still only has 30 days from receipt of my dispute to investigate, and I will be keeping both eyes on them. I wonder if TU sends the same form letter for all disputes that are mailed in, or if there are slight variations? MisterX
