Is it illegal for Trans Union to deny me a copy of their investigation paperwork for a dispute investigation? I asked to have a copy of the documentation they said they mailed to a disputed CA account and they said "NO". Further, after disputing this CA account so many times they called it frivolous I learned they only verified it once (per the rep). I asked them to initally provide me with how many verifications they did for this particular account and the documentation. They just said NO, I can't believe it. What do you all think?
Per the FCRA... § 611. Procedure in case of disputed accuracy [15 U.S.C. § 1681i] (a) Reinvestigations of disputed information. (6) Notice of results of reinvestigation. (A) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. (B) Contents. As part of, or in addition to, the notice under subparagraph (A), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph (A) (i) a statement that the reinvestigation is completed; (ii) a consumer report that is based upon the consumer's file as that file is revised as a result of the reinvestigation; (iii) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available; (iv) a notice that the consumer has the right to add a statement to the consumer's file disputing the accuracy or completeness of the information; and (v) a notice that the consumer has the right to request under subsection (d) that the consumer reporting agency furnish notifications under that subsection. (7) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph (6)(B)(iii) by not later than 15 days after receiving a request from the consumer for that description. #7 is the key line here...
Thank you! I just have so much going on see thread (Board Veterans - Please Read) that I do need help just to stay organized. I will submit a letter advising that I want the documentation and advising that I first requested this on 7/29 and was denied my rights. Thanks again!!!!
