10-22-2012 05:07 PM
I recently disputed several TLs on my report. They got one set and then the other 3 days later. Today, I get a letter that reads:
We are in receipt of the additional information regarding your current dispute(s). Due to this additonal information, the time frame for completing the investigation has been extended. Your initial correspondence was received on 10/14/12 and your additional information was received on 10/11/12, which allows TransUnion fifteen additional days.
Obviously, there's no way I sent additional information before my initial correspondence. Stupidly, they think that these sets of disputes are the same when they aren't. I called their number and got no help, except someone reiterating what was written in the letter.
I'm planning to write a letter threatening litigation in order to keep them to 30 days. Has this happened to anyone else?
10-22-2012 05:15 PM
It's common. If you dispute and then redispute, they extend it to reconcile the additional info together and to figure out why the 2nd dispute was made. I wouldn't worry about it.
10-23-2012 12:25 PM
In my opinion, their additional 15 days, whether legitimately resulting from having provided further information related to the dispute, is not worth hassling over.
They are required to provide a final Notice of Results of Reinvestigation within 5 days after concluding their reinvestigation. So they have a deadline of 45 + 5 days from date of dispute to get their Notice of Results in the mail.
If you do wish to pursue the issue, you can certainly file a complaint, either/or with the CRA or the FTC, for improper use of FCRA 611(a)(1)(B) based on no submission of addtional information "relevant to the dispute." Resolution of that complaint has no specific statutory time limit, and will most certainly take more than the additional 15 days they are asserting to complete their reinvestigation. Maybe a slap on the wrist, but coming after the fact of already receving your Notice of Results.
11-12-2012 05:50 AM
I ended up sending them this letter:
"I recently received this letter(copy enclosed), which made no sense to me . On Monday October 22, 2012, I spoke with one your customer service representatives. They were unable to help me in clarifying and correcting this issue.
It’s not clear to me why you would need an additional 15 days to resolve these disputes.
It seems to me that you’ve mistaken my two sets of disputes and being one and the same. That is not the case.
My first disputes, the ones you received on 10/11/12, were sent by mail. They were in reference to Central Collection Unit and ROI.
My second set of disputes, were submitted online through your website on 10/14/12. These were in reference to RJM Acquisitons, Jefferson Capital Systems, HSBC, and First Bank of Delaware.
According to the FAQs section of the TransUnion website:
What if I submit more than one dispute at the same time?
“We will investigate all of the records in question during the same time period. At the conclusion of the investigation, you will receive a report reflecting all of the results. Please allow 5-7 business days following the completion of our investigation for mail delivery. Please note that if the dispute investigation was initiated online, you will be notified via email and can view the results of the investigation immediately.”
It would seem to me that according to this policy, you still must complete each set of investigations within 30 calendar days of receiving them. If you don’t comply with the FCRA and your own dispute policy, I shall fully exercise my rights(legal or otherwise) in order to correct the matter."
They stuck to the 30 day timeframe. I just got the results today. Continental Finance/First Bank of DE + ROI were removed.
11-15-2012 08:18 AM
Frustrating...but good results in the end. Sometimes we have to take an extra blood pressure pill just to get through this!!
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.