TU extends all investigations to 45 days? I sent in several disputes to Trans Union. I sent one account dispute per envelope. There were probably 10 letters sent in all regarding different issues. Trans Union confirmed the receipt of my first dispute for Chase Visa on the 14th. Then on the 20th they sent me another letter stating they were extending the 30 day time frame by an additional 15 days because they had received "additional information." However, the "additional information" had nothing to do with Chase. It had to do with a totally separate dispute? Is this legal? I know they can extend the investigation by 15 days if they receive information "pertinent" to the reinvestigation. I don't consider my Nissan dispute "pertinent" to my Chase dispute. When I called them, they said they are going to take 45 days to respond to every single one of my disputes. They also informed me that they are changing over their computer systems and are a little back up. Hmmmm Does anyone know how to interpret the 15 day extension law?
Re: TU extends all investigations to 45 days? I would suggest in the future that you send 1 dispute letter with about 4 -5 accts on it. Disputing 10 at a time could label you as a frivolous disputer.
Re: TU extends all investigations to 45 days? I like your name. It could be viewed 2 different ways. LKH is right. I would never send more than 3 in a letter unless one or two are concerning personal or inquiries. I don't think that they have an extension period in the FCRA. Read the FCRA and see what it says. If the FCRA doesn't give the CRA another 15 days send them a letter to that fact along with the portion of the FCRA that applies to it and send to Dispute Resolutions. Charlie
Re: TU extends all investigations to 45 days? Legally you need not worry about whether you send in 1 dispute or 80. TUs claimed 15 day extension is utter nonsense. It only arises if they get new information FROM YOU pertaining to the investigation. Their conduct is wilful noncompliance. § 611. Procedure in case of disputed accuracy [15 U.S.C. § 1681i] (a) Reinvestigations of disputed information. (1) Reinvestigation required. (A) In general. If the completeness or accuracy of any item of information contained in a consumer's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph (5), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. (B) Extension of period to reinvestigate. Except as provided in subparagraph (C), the 30-day period described in subparagraph (A) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.
Re: TU extends all investigations to 45 days? Butch, Why send them a warning? You want them to go past 30. That's a violation. charlie
Re: TU extends all investigations to 45 days? Yeah, but come on, guys...she will need more than that to hold over their heads. IMHO, building a papertrail is much more effective than shaking twigs at them each time they violate the FCRA. Its much more fun to suck it up and then hit them with a bunch of things that combined have some teeth If she sends a letter, the person reading it won't even know what she is talking about and since it won't request a dispute, she would likely get a blah, blah, blah letter back that had nothing to do with the letter she wrote. (That's the most maddening thing in the world!) L
Re: TU extends all investigations to 45 days? No. You want the deletion, not a lawsuit. You wait til day 31. Then you send a letter saying you only had 30 days to verify, you didn't, delete. And quote the section that says you cannot extend unless you got info from me. If they respond with something other than a deletion than you go to court. Sending a letter now means either a) they finish in 30 days or b) you are in the same position. There is no paper trail necessary, nor will it help. You ask for investigate. They have 30 days. Period.
Re: TU extends all investigations to 45 days? I don't agree, Solzy, but that really doesn't mean anything...lol. Yes, she wants deletion, but I don't feel that them extending it by 15 days (which they are allowed to do in certain cases) provides any type of incentive for them to delete. They receive thousands and thousands of letters threatening lawsuits, spouting FCRA, etc. If she does end up having to file...does that mean she has to start over to build the papertrail or do you propose she walk into court and tell hizzoner that they took 45 days instead of 30 days so because of that they should pay her and delete a supposedly verifed account? Where are the damages? I think they would give some leeway...especially if there aren't any other violations. Like I said though...just my opinion. L
Re: TU extends all investigations to 45 days? I agree. Let them commit the violation. Wait 31 days. In the interim, do you know anyone at a local bank? Have them pull your report. they'll be NO notations of any of the disputes. That's a violation on every dispute (their system can't mark them as being "in dispute" right now.. and they're a national credit bureau? go figure). anyway, let them violate the law, then point it out to them. I've actually gotten to where I send all info at once or not at all... that way there's no chance of a 15 day extension at all. They normally extend every item in dispute 15 days even if you added some info to only 1 dispute... yes, it makes absolutely NO sense... but then again, it's TU
Re: TU extends all investigations t I'm really wondering why TU decided to extend your investigations. I disputed 2 items on 5/4, and then another on 5/21, both online. I just got off the phone with them and and they said that my first investigation would be completed by the 6th, and the second one by the 20th. So they're taking 33 days on the first dispute, but I'm not going to complain. They told me on the phone that one of the items is definitely being deleted (but they're waiting until the 6th?), and the other is pending. I expect deletion on the pending one. I wonder if it just depends on who processes your disputes on their end. I also disputed a bunch of inquiries on 5/23, but the CSR told me that they sent me a letter saying they don't delete inquiries. One of the hard inquiries is labeled as "TU Consumer Disclosure". Not sure what to do about that one at this point...
