I set about disputing and trying to clear up reports, disputing online with both TU and EX. EX has started investigating, but TU snail mailed me a request for a copy of my bk paperwork which I don't really think they have the right to ask for and I don't particularly want to give them. Can they not investigate a dispute by requesting this? They sent a list of creditors and basically said I could contact them myself?? I am thinking I will send them a reply saying "under what authority do you ask for this information, yada yada blah blah ...fix YOUR errors" I would like some input on whether that is the smart thing to do or not? TIA
Only if you want that BK stuck like glue on your report for the next 7-10 years (depending on what chapter you filed). Did you dispute as included in BK?
nope, I disputed them either as "not mine" or "balance" as some of them really aren't mine, one is a CA for a cc that was discharged and sent to CA AFTER the fact (I posted about this cc before) and some of them are iib but still showing a balance. The thing is, we initially had filed a ch13, but had to convert it to 7, and they are reporting as ch13 which will fall off in '07, so I don't want them to update it to the 7 which will stick another 3 years on top of that... But on principle I don't think they have the right to even ask me for this do they? I can't think of a logical legal basis for them to demand this to initiate verification?
No they don't and DO NOT send them anything. Instead write back demanding that they verify or remove the inaccurate reporting in accordance with FCRA. You may have to sue, but what they're dong is cop out.
