I just received this letter from TU a few weeks after I send in my first round of dispute letters. Thank you for contacting Trans Union. Our goal is to maintain complete and accurate information on your credit report. We have provided the information below in response to your request. Re: General Policy The federal Fair Credit Reporting Act requires Trans Union to investigate, free of charge, information on your credit report that you believe is inaccurate. If you have reason to believe that the fee charged by a credit repair company was too high, and/or its services were misrepresented, please let us know if you would like your situation to be referred for investigation by filling out and sending us the form below. With your permission, we will provid the information you send to the appropriate authorities. It would also be helpful for you to attach and brochures or documents you received from the credit repair company. If you have any additional questions or concerns, please contact Trans Union at the address below, telephone (800) 916-8800, or visit us on the web....blah, blah, blah... Questions: Should I just send them a copy of the FCRA?? or ignore it. I think that they are doing this just to scare me or label me as frivilous. They must know that I am a chicken by nature. What I really wanted off this report is a paid charge off from 1999, I also have some (okay a lot) of lates on around 4 CC accounts. 2 of which have been paid in full. 1 which I disputed as a duplicate account there were 2 listings (1 in good standing, 1 in bad). The other derog was a card with a 30 day late that was closed years ago after my wallet was lost that I disputed as not mine it is also paid in full. Equifax is asking me for identity confirmation to update my address. They have my address listed as an apartment that I lived at 8 years ago. I don't want to send them anything, and think that they are trying to stall. Any thoughts? Thanks, L
That is a standard form they seem to send out. I received the same letter about the credit repair info and others have also received it. I just went on with what I am doing and forget about the part regarding a credit repair business.
TransUnion is just being the jerks they are. I would just ignore the letter, unless they are refusing to reinvestigate. As for Equifax, don't you have to give them an address when you sign up for Credit Watch, when you ask for a credit report, and even when you dispute? If so, I'm betting they have your current address by now. Just dispute the old address as NOT MINE and they can figure out the rest. Of course, there is also a good chance they have you current address as a previous address, LoL. Not sure what to do about that. I think I would try to get any previous addresses deleted.
About the TU letter, as I have seen others posting that they got it, is this only from written disputes? I have only ever used the online dispute for TU, and have never gotten one of those silly letters...
Thanks for the advise. I'm going to ignore the TU letter since they are investigating the disputes. Equifax says that they will not investigate until I send them the information. I did use the new address to get my EQ credit report, sign up for credit watch etc...They also have my employer listed as an internship that I had in high school. But I read somewhere that they were not going to list employers anymore so I'm not too worried about that. At least it was for a good company. Not as bad as Experian though, they have around 8 bad addresses for me, my boyfriends ex-wifes name listed as mine, and I'm married. I didn't even get invited to the wedding L
I got the same letter back in March after I did a multitude of online disputes. Ignored it. Most of disputes were verified. Okay... did repeat of online disputes in June, nine to be exact, successful deletion of 5...BTW, all of 9 were related to 13BK that I had sent copy of discharge to them like a dummy in January. each of the five that were deleted had been verified in March. (BTW, disputed as incorrect closed date.) If I were playing baseball today, I'd be batting over .500 for this series of disputes My advice, ignore the letter and keep focused on your plan, whatever happens to suit your circumstances. Don't let them intimidate you.
