I received TU's response to my procedural request today, and I can't see for the life of me how they consider this in compliance with the FCRA. Pages 1-2 are a list of all creditors. Pages 3-4 are a list of all companies that received a copy of my credit report. Page 5 is their correspondence, which reads in part: "RE: General Policy TransUnion's procedure for investigating disputed information is to contact, by mail or telephone, the source of the information. Each source is advised of your dispute and is requested to verify the accuracy and/or completeness of the information reported. Once the verification responses are received, the disputed information is updated accordingly. Changes are reflected on the updated credit report that is sent to you at the conclusion of our investigation. If you have any questions regarding the results of the investigation, please contact the creditor(s) directly. Re: Verification Documents Not Available We store information in our records as it supplied to us by creditors. When information is disputed, we are required to investigate and record the current status of the information. We do not provide dispute verification responses received from creditors. If you need to obtain documentation or written verification concerning your accounts, then please contact your creditors directly." Am I correct in maintaining this is NOT a valid response to a procedural request? At a bare minimum, it does not say who they verified the information with. Assuming my initial thoughts are correct, any ideas on how to attack this/use this to my advantage? BACKSTORY: Disputed HH charge off in December. Equifax and Experian deleted, TU verified. Thanks, HDAlex
THE EXACT SAME THING HAPPENED TO ME!!!!!!!! Experian and Equifax deleted my Household Bank collection account but Trans Union verified two weeks after I filed a dispute! I sent them a procedure request about 2 weeks ago and I have yet to hear from them. Please let me know if you get any information on how to handle this. It really makes me wonder why and how TU was able to verify when the two other bureaus deleted! We have the same account too..... Household Bank...very interesting!
heh heh, I sent them an intent ot sue letter...they send me the same crap you got...TOTALLY irrelevant to my cause of action. federal fcra is pretty vague on validation in terms of its wording. Look up your state rules. Alot of times, they have more detailed requirements to meet.
tu did same to me. equ & ex deleted a ca acct, tu wrote "the following accts contain information which some creditors may consider to be adverse. adverse acct information may generally be reported for 7 years. from the date of the first deliquency. depending on your state of residence. i have no idea what this means, but i sent off for proc request on 3/4. and a letter to ca to validate.
