Who is Watching?

[Anonymous]

When you DV or Dispute, is there someone that is actually keeping count on the 30 days that they have to respond?

[Anonymous]

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aimeeaab wrote:

When you DV or Dispute, is there someone that is actually keeping count on the 30 days that they have to respond?

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Yes--------You.

[Anonymous]

I have 4 disputes with Equifax since Feb. 9th online. Is that 30 or 45 days? I'm counting. If I don't hear, then I can send letters for no response, is that correct?

[Anonymous]

You know what I mean... On their end. 

Message Edited by aimeeaab on 02-27-2008 09:05 PM

[Anonymous]

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aimeeaab wrote:

You know what I mean... On their end. 

Message Edited by aimeeaab on 02-27-2008 09:05 PM

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In the case of a DV, I'd assume it would be the person who received your DV. As for disputes, I dont know if CRA have some sort of system in place that alerts them when their time is almost up or not.

Do you mean is there a higher power(such as the FTC) watching and making sure they keep within time frames? I don't think so, it is up to you to make sure they are and take action if they aren't.

[Anonymous]

There is a legal argument I have seen that an online dispute gives the CRAs 45 days to verify instead of 30.  So I'd wait until then to follow up.

[llecs]

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masdeocho wrote:

There is a legal argument I have seen that an online dispute gives the CRAs 45 days to verify instead of 30.  So I'd wait until then to follow up.

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Agreed and to add...the extra 15 is based on the condition that the CRA receives info at or near the 30 days mark that requires extra time to respond.

[treschic]

i thought it was only an extra 15 days if you disputed using the free annual credit reports

[ngerasimatos]

I believe the 15 days extra is only if you dispute using AnnualCreditReport.com or if you dispute online.

[llecs]

15 days extra comes from the FCRA:

§ 611. Procedure in case of disputed accuracy [15 U.S.C. § 1681i]

Under (a) (1)

(B) Extension of period to reinvestigate. Except as provided in subparagraph

(C), the 30-day period described in subparagraph (A) may be extended for

not more than 15 additional days if the consumer reporting agency receives

information from the consumer during that 30-day period that is relevant to

the reinvestigation.