I filed BK7 in late August and I am in the process of disputing items with the CRA's as either IIB or not mine. I honestly don't recognize some of the things that appear on my reports - especially since some are in the name of the CA's. I disputed 4 items with TU: 2 as IIB, 1 as not mine, and 1 that was paid that's showing as a charge off (old car loan). They replied with a letter stating the following: "We are currently investigating the bankruptcy and/or your accounts included in a bankruptcy. To expedite this investigation, please send us copies of the discharge paper for the bankruptcy and the list or schedule of creditors included in your bankruptcy." I've read enough on CN to know NOT to send a CRA a copy of my discharge letter but what should I do in this case? Should I: a) Ignore their letter altogether and just hope they delete as requested? b) send them a list of creditors that I included in my BK without a copy of the discharge letter? c) dispute a second time? *I've looked through the sample letters and didn't find one that fit my case. If I overlooked it please provide me with a link to it. THANKS CN FAMILY!
Don't do anything. If you send them extra info, they can get 15 days bonus to investigate. BTW: It's their job to investigate, not yours, if you have to provide them with the documentation, are they going to pay you their hourly rate for doing their jobs?
Everyone who has received the same request for additional info said that their trade lines were investigated. But if they don't then they failed to investigate within the 30 days, and you can demand an immediate deletion.
