i disputed several items with TU and they came back saying previuosly verified so i sent proceedures letter which they recieved (i have green card 8/27/02). I called them about 15 minutes ago about another matter but the lady was so nice i ask her about how to proove an account isn't mine (which they say was previously verified) and she said that she showed an ongoing investigation which started on 08/27/02. i sent them a proceedures letter not a dispute so should my report indicate ongoing investigation now?
I would have asked when is it scheduled to end; if 8/27/02 +15 days, then you would know that they are going to provide the procedure description, and not do another investigation.
i should have stated this in my first post i did ask and she said 9/27/02 i didnt know wheather to ask her about proceedure request or wait till time runs out and hopefully have them on a violation
Wait until day 16 and give them a tongue lashing, lol. Don't forget to record it if possible. And then they have the nerve to take an extra day.
i dont have a recorder should i just wait till the 20 th day and send them a letter demanding they remove the disputed items? i have read FCRA several times but i am not sure what my rights would be in this situation
In this case, I would wait until you get the description/investigation results. At that point, you have proof of a FCRA violation b/c they did not provide you with the description (even after twice the legal limit, 15 days x 2).
