I have a question about TU, I disputed online on 6/2 and pulled a report on 6/21. The items I'm disputing are not showing up as "In Dispute". Is this something I can nail TU on after the 30 days? Should I do something before the 30 days is up? I have a local creditor who pulled the report and it's not showing as in dispute. I have a print-out of the Credit Report before, a print-out of the disputes, and a print-out from now with none showing as being marked "In Dispute". Dave
Read further down the board and search for Marie's posts on this subject. TU's system doesn't comply automatically. Sassy
See below: My question: From: Javan To: Don Richman(drichman@transunion.com) Subject: Re: File Number: XXXXXXXXXX I'm sure you are aware, but I thought I would bring an issue to your attention regarding Trans Union's reporting system. When I put items in dispute, the items aren't noted in "dispute" during the 30 day investigation period. Not for reports I may pull while the disputes are in progress or for the copies my creditors will/could see. This is a violation of the Fair Credit Rreporting Act. Regarding the FCRA, please see the excerpt below: § 605. Requirements relating to information contained in consumer reports [15 U.S.C. § 1681c] (f) Indication of dispute by consumer. If a consumer reporting agency is notified pursuant to section 623(a)(3) [§ 1681s-2] that information regarding a consumer who was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information. I will also bring to your attention the Edwards (07-15-98) FCRA Staff opinion letter which states the following: Section 611(c) of the FCRA provides: "Whenever a statement of dispute is filed, . . . 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" (emphasis added) As I mention in my previous communication this is a violation of the FCRA. I request the all trade lines that are "in dispute" and being investigated be labeled as such. The response: From: Don Richman(drichman@transunion.com) To: javan Subject: Re: File Number: XXXXXXXXXX As for your other concerns: Section 605(f) refers to the obligation of the credit reporting agency to report that the item as in dispute ONLY when expressed by the data furnisher to the credit reporting agency. This obligation is expressly in relation to section 623. Which, as I stated earlier, this section refers to the obligations of the data furnisher. Before you write to me about the FTC opinion letter to Jack Harvey from ALLTEL Information Services, let me reiterate that the letter and the section of the law refer to the obligations of the data furnisher only. Section 611(b) and ( c) outline the procedure for a statement of dispute after the reinvestigation has occurred. The FTC opinion letter to Mr. David Edwards, refers to the statement of dispute after the reinvestigation.
How can he say this and put it in writing? It seems pretty clear that its not a matter of opinion its a matter of law, clearly stated in the FCRA. Unless the FCRA is just someones opinion. Can somebody explain this to me. Thanks
