Ok, this is a bit of a retread but since I started my repair saga from the land of 540 I noticed a few things. Whenever I would dispute info with the CRA's, they would always not it in some manner. EFX and EXP do a good job of putting up a "dispute" sign on the stuff you are working on. All except TU. Working on some late pays? I hope you remember because you can pull your report at anytime within that 30 day investigative period and your report will look the same as it did on the day you first disputed. They make no notation at all! Take a look at FCRA 611 (c) and tell me if I had add to my small claims pile with TU and my fricken college(see inquiry shenanigan's thread) "(c) Notification of consumer dispute in subsequent consumer reports. Whenever a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer's statement or a clear and accurate codification or summary thereof." Am I just seeing what I WANT to see here?
olivse: I'm afraid so ! Look carefully at the (b) subsection above that: You must carefully note the totally useless (IMO) "statement of dispute", as defined in subsection (b) is what is being discussed in subsection (c) !!! This is just a notation you can opt to have show at the bottom of your credit reports where most lenders will likely give it very little weight. It has nothing to do with "in dispute" notations that Data Furnishers (i.e., "persons") must provide on continuance of furnishing disputed information as is discussed in FCRA 623(a)(3) Hope that helps. .
Whoaaaa.. I think a bit of clarification is in order. I meant after you initiate a dispute, during the period it is under investigation, it must be noted on all subsequent reports while under investigation. I wasn't re..........wait. I see what you are saying. subsec c just is saying that all future reports must have my crybaby 100 word statement in it? Frick. Gotta go cross that off the list. Thanks for the enlightenment.
"statement of dispute" ?!?! . . "statement of dispute" ???? . . We doan' need no steenkin' "statement of dispute" !!! LOL ! ;-P
