TU Refuses to assist if I â??dispute the FCRA statutes and their meaning.â? That was the closing statement in a Trans Union Senior Investigatorâ??s letter to an complaint I filed against Trans Union. Trans Union violated the FCRA, I wrote to Trans Union citing the FCRA and indicating the FCRA violations. In response to my letter, the TU Senior Investigator quoted Section 611(e)(4), which does not exist. There is no FCRA Section 611(e)(4). The Trans Union Senior Investigator also wrote "XXXXXX stated that Trans Union did not notate XX accounts as being in dispute per the FCRAâ?¦The creditor is required under the law to report the account in dispute not the consumer-reporting agency. Based on our summary, it is our position that XXXXXX file has been processed within applicable laws of the FCRA." "Please note that I am unable to assist XXXXXX should XX wish to dispute the FCRA statutes and their meaning." Additionally, I specified where TU violated the FCRA as failing to complete the investigation within 30 days, failing to indicate the account is in dispute, failing to notify within five business days of reinsertion, failing to provide verification methods, and failing to provide investigation results within five business days Not only were items not disputed Trans Union, but also the furnishers were contacted several times via CMRR. Trans Union was provided the information that the companies failed to indicate the account was in dispute. My TU credit reports did not indicate the account was in dispute
Im having same problem. I have TU for over 30 violations of the FCRA. I just sent them a final intent to sue letter today CRRR. 7 pages long fully detailing every violation and quoting the FCRA directly. I also included about 40 copies of differnt letters that have gone between TU and myself. In reading the FCRA there are two ways to sue CRA. Willfull non-compliance with FCRA and negligent non-compliance. Willfull is the only one you can get 100-1000 per violation in punitive damages...So, I stipulated to them in letter that I was in effect 'spelling' it out for them so that if they continued to violate FCRA that thier actions could not be construed as negligent non-compliance, but would be in fact willfull and I would sue as such. I gave them 15 days from receipt of CRRR to comply with my demands of I will file suit. I'm sick of their BS and kinda hoping I get the pleasure of going to court to be honest. We shall see. Stephanie
oh yeah xyz keep me posted on what's going on- if you sue, etc. I'm interested in anyone who can help me with this, or that I can help too, if this does in fact go to court.
