What happens if the CRA doesn't provide the procedure I requested? Do I just write them a nasty letter and thats it?
http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&threadid=43406 According to this thread, you can email and ask for the information used to verify. Additionally, from things I have read on CN - re-send the procedure request, along with copies of your initial letter and CMRRR. I think the response is 15 days. I am sure someone else has more detailed information.
I believe failing to respond to a Procedural Request in 15 days is a $1,000 FCRA violation. Also, a failure to respond to a Procedural Request draws into question whether a CRA did an actual investigation in the first place? If you really want to get the them by the short hairs, send the same initial dispute that you sent to the CRA directly to the OC. If they also fail to verify to you directly, send everything to the CRA again and demand an immediate deletion. In this way their former failure to respond to your Procedural Request really makes them look bad since the OC failed to verify to you, but somehow mysteriously verified to them.
Two more question. The 15 days they have to provide the procedure letter, is it from the end of the investigation or when you receive the results? Is the 15 days, business days or calender days?
What happens if I cancel my trial experian account before the investigation is resolved? I hope this doesn't dilute the thread, but it seems a goofy question. Everyone else probably knows the answer except for me. <~~~ noob
