PRA letter, No Further Replies, Matter Closed

[ndkblondie]

I received this letter from PRA, I'm thinking of disputing again in the hopes they won't respond.  Any reason not to?

Please be advised we have reviewed your dispute and our records indicate we have already resopnded to a previous dispute substantially the same as your present dispute.  Because your dispute alleges no new facts and includes no new information in which to form the basis for a new investigation, we will not be conducting another investigation of the dispute pursuant to 15 USC 1681s-2(a)(8)(F)(i)(II) of the FCRA.

If we continue to receive subsequent correspondence from you regarding a dispute that has already been resolved, we will consider your inquiry answered.  No further replies will be forthcoming unless you provide the information we need to assist you.  Our office considers this matter closed.

Disputes Department

I already sent proof of their messed up reporting with my dispute to the CRA's by mail.  Do the CRA's do nothing but regurgitate the info from the furnisher?  I thought if you sent proof they would actually do something about the inaccurate reporting coming back from the CA, the reason we should send by mail and not dispute online.

[ndkblondie]

Just got a new alert, they hit me with a new major derogatory.  Uuuugggggggg.   I wonder, is it regular policy for the BBB to allow companies to retaliate against consumers seeking relief?

[Shogun]

Unfortutnately, the BBB has not teeth.  It can't enforce anything, it's just an arbitrary type of thing.  If you have a legit complaint, try the CFPB.

[RobertEG]

They have the rigjt to dismiss any subsequent dispute without any investigation that contains no new basis as "frivolous or irrelevant" under explcit provision of the direct dispute rules.  16 CFR 660.4(f).  That includes a first direct dispute after a prior disute through a CRA.  The only error in their letter is that they cannot just ignore your subsequent dispute, they must still send a letter of dismissal as "frovolous or irrelevant."

With no requirement to even investigate, and thus veriy, correct, or delete, there is no basis for holding them to task for not verifying anew.

One issue, one requirement for investigation.