I just got off the phone with the Lawyer who represents TU made me an off but needs to check with the OC, but my question is he asked me if anything else is wrong on my credit report and wants me to fax to him whats wrong. My question is should I dispute every bad Item on there because if I don't I give up the right to dispute it later I need some input on this
Tell him to remove all the bad info on your credit report. You could a completely clean CR by next week. Tell him you will drop the suit for comlete removal of all negative info.
Whatya mean the TU atty. "made you an off"? How did you originally dispute this? How much is it for? How old is it? What state are you in? ???
yes I filed suit against them was due to go at the end of the month to small claims court, sent a validation letter to OC never heard from them they had 7 different accounts on my credit report then disputed with the CRA's EQ and EX delete the 4 false accounts TU said they verified it so I sent TU another letter asking to investigate again got letter from them saying hey ur with a credit repair agency so I went and filed suit. He did tell me that if they do go to court he is changing it to federal court which is ok by me cause then I can sue for more as there report cost me getting an appointment with a life insurance company because of what was on the report so emmmmmmmm maybe a 100,000 suit instead of 3,000
But, I think federal court is a big stepup in difficulty for you to do yourself, or do you have lawyer ? Just interjecting the question for your prior post responders to address.
yeah if they bump it up to Federal court I will be getting an attorney but I am going after them for a whole hell of a lot more money.
Has the 30 days investigational period expired since you first sent in your dispute? I'm telling ya its gonna be hard to win in federal court, there is a complex series of events that has to be gone thru and willful noncompliance are hard to prove. TU plays the game that way to discourage pro se litigants. The good news is, if the 30 days has came and went, and TU did not investigate you can have can have the federal judge order TU to remove the tradelines.
30days has come and gone on both the letters of dispute I sent them, in fact when I got there results of the first investigation stating that it stays on I sent another one including where EQ, EX had removed the false TL, they sent me the infamous your with a CRO and your request is frivolous and we won't investigate it , so I went and filed suit cause I told them in my last letter not F**King around remove it cause it is not a true TL, you will not get another letter from me the next one u get will be from the courts and thats the one they got !
Re: Re: Transunions Attorney PLEASE HELP IMO, your argument with the courts should be that TU failed to maintain procedures to insure maximum accuracy of your credit report, that they unreasonably determined your dispute was frivolous, and failed to delete the TL after the 30 day investigational period. Accuracy of the TL should not be the issue, the issue should be that TU didn't do the investigation in time and now they have to delete the TL, right or wrong. Also if your trying to get all the rest of your baddies deleted from this lawsuit, they are just likely to go tell you to fly a kite and see you in court. They have to draw the line somewhere or else they will get a reputation of being easy, which they already have, and sure they are working to correct that problem. If I were in your shoes, I'd call their attorney monday and tell them that your willing at this point to dismiss your lawsuit in exchange for them permanently suppressing the TL.
