question .. At the end of Nov. I sent a dispute to TU over an entry from a CA on an old electric bill. I had already contacted the electric company last year and thought this matter had been resolved..apparently not as not only is it showing on my TU report but I just received a demand from a collection agency..I sent the CA a sipute as well as TU. TU replies a few days later they need my SS# and DLN to proceed with a reinvestigation....I wrote back saying the SS you have on file is correct.. its been more than 30 days.. does this mean because I didn't provide they donot have to reinvestigate? If they still have to is it the original date I requested or after they received my second letter? what should I have done? thanks
When you told them "the one you have on file is correct," you answered their question. I think I would write them another letter, enclose copies of the previous correspondence regarding this item, and ask them if perhaps they happen to have two different SSN's for your file. Tell them you are a little confused at their request, you feel you have answered their question, and you don't understand why they haven't given you the results of their investigation, unless their is some confusion about SSN's and your file.
Is a person requried to provide their SSN# when disputing a charge or requesting a copy of their report? I have seen conflicting information of this in postings here and the library, as well as on other sites. For instances, I found this on another credit related web site. The only thing you legally need to supply the credit bureaus for a copy of your report is your name, your social security number and a legal mailing address (P.O. Box is a legal address). and The bureaus also have a right to request a copy of your social security card, but only give a copy of the front. They also may request a copy of something showing your address if it is different than what is showing on the report. Both of these were found at http://www.americanloansearch.com/info-creditrepair2.htm Anyone have any thoughts on this? It seems to me that most credit bureaus probably already have your SSN, though perhaps not correct, so do we really take a risk by providing it?
