Whahuf**k! My wife and I disputed Bank of America thru TransUnion and Experian because BofA was supposed to be "INCLUDED IN BANKRUPTCY CH. 7"! Equifax correctly reported BofA as "INCLUDED IN BK" Then TransUnion sent back last week that BofA verfed as correct... my wife then disputed again and told them that account IS INCLUDED IN BK!!!!!!!!!! now today! My wife got a letter from TransUnion: "Thank you for contacting TransUnion. Our goal is to maintain complete and accurate information on your credit report...." Naturally I was laughing at that quote! "Re: Dispute Status.... Our records show that your creditor(s) previously verified as accurate the item that are listed below, therefore, under the FCRC, we consider this dispute frivolous and we will not reinvestigate the item(s)..." #1 how the f**k can BofA says it's accurate when it's supposed to be included in BK and how can BofA reported to Equifax as INCLUDED in bankruptcy!?!?!?!?!?!?!?!?!?!? Now what do you recommend I should do about this Bulls**t? Sorry I'm venting but I'm tired of their BSing! TIA! Thomas Gagliano
First, I'd send a letter to BofA asking them why they are reporting inaccurate information. Send it CRRR. You need a paper trail when they say they're reporting it as included in bankruptcy. Also ask them if TU has contacted them to verify a dispute. Then send a letter to TU (also CRRR) stating that this is a procedural request on how they validated. Tell them you want the name of the person with whom they verified. Sit back and wait (impatiently, I know) for the replies, then get ready to file your small claims lawsuits. Hopefully BofA will give you a letter that they are reporting correctly and that no one from TU has contacted them. Use that to sue TU for reporting inaccurate information and failing to verify a dispute. Keep copies of everything you've gotten so far, including the frivolous dispute letter.
True statement! How come they're the only ones who think a dispute if frivolous if you tell them they didn't do a proper verification?
I don't think they're the only ones. CRAs in general seem to require an affidavit written in blood when you or I are trying to correct inaccurate information on our reports, yet they delight in taking the creditors word for it, without any verification??????
That was my point GEORGE. Why do they initiate an investigation when a consumer tries to verify an item on their reports, but don't hold the furnisher of the information to the same standards? If they are so worried about the integrity of the credit reporting system, then what's good for the goose, should be good for the gander.
I suggested long ago... YOU MAKE ALL THE CHANGES ON YOUR CREDIT REPORTS TO MAKE THEM 100% CORRECT...then the "COMPANIES" have 30-60 days to prove you wrong...if they can't prove it with something other than a computer...like paper...THE CREDIT REPORT STAYS AS IS... The BURDEN OF PROOF should be on the company reporting it...NOT YOU!!! Even when you do furnish PROOF...they call it FRIVOLOUS!!!
