CreditDrama85 wrote:
I recently disputed approx 5 accounts with all 3 cr agencies.
Experian immediately replied saying they already investigated, no change.
EQ and TU list accounts as: consumer disputes, reinvestigation in progress.
It has been 30 days since the reinvesigation was listed on my cr. but eq and tu have not replied or made any changes.
should i send them certified mail request that these accounts be deleted since they were not verified? or do they still have more time?
what are the rules on reinvestigating a previously disputed accounts? thanks for all the help!
for TU send a MOV letter CMRRR
call EQ and EX on reinvestigation....they might have 35 days to mail new report.
When you get it (online or by nmail) send a MOV to them.
IF reinvest. is not completed send this letter CMRRR
make changes where needed and YES YOU DO SIGN THIS LETTER!
Friday, April 02, 2007
Addressee
Re: Demand For Corrected Credit Report
To Whom It May Concern:
On January 2nd, 2007, I wrote to tell you I had not heard about any
specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report. Copies of my correspondence are attached for your review.
Since you have not given me names of persons you contacted for reverification of the
Information, nor have you complied within the statutory time period—30 days— to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, and drop the disputed items from my credit report.
I demand that you send me a copy of my updated credit report showing the elimination of the items, which I disputed on the attached letters. This copy must be provided free, according to 15 USC section 1681j. I demand that it be postmarked within five days after signing the certified mail receipt for the letter you are holding.
If I do not receive an updated copy of my credit report with the disputed items dropped, my attorney will pursue my legal rights less than 15 USC section 1681n or 1681o of the Fair Credit Reporting Act, “Civil liability for willful noncompliance.” Your credit bureau may be liable for:
1) Any actual damages I sustain by your failure to delete the items
2) Punitive damages as the court may allow
3) Costs of the court action, plus attorney’s fees
I have forwarded a copy of this letter to the Federal Trade Commission, the Subcommittee on Banking, Credit and Insurance, the Pennsylvania Consumer Protection Agency and Department of Business and Professional Regulations (Division of Consumer Complaints.)
Sincerely,
