topic Re: CSC Stalling in General Credit Topics

CSC Stalling

bubj37 — Thu, 30 Aug 2007 01:21:17 GMT

I sent a dispute to CSC and recieved a letter back asking for more information so they could continue with the dispute process. All they are asking for is personall info they I gave them when I did the online dispute...SS# address name and so on. Are thay trying to satll or what?

Re: CSC Stalling

Anonymous — Thu, 30 Aug 2007 01:31:46 GMT

Sounds like that is exactly what they are doing. They want to see how much info you are going to give them. Remember, you are the one asking them for the information, not the other way around. Hope this helps. I am sure the others will add to this to help you. I would wait just a little bit before I responded with any additional personal information to them.

Re: CSC Stalling

Tuscani — Thu, 30 Aug 2007 12:29:56 GMT

Their typical stall tactic. You will need to give them the info they are requesting.

Re: CSC Stalling

Anonymous — Thu, 30 Aug 2007 14:50:07 GMT

When I disputed a while back with them they took well over about 50 days to get back with me. This was even after I repeatedly called and asked why they were taking so long. In the end they ended up deleted most of my negative tls and even on that was legitimate.

Re: CSC Stalling

cadavis0609 — Thu, 30 Aug 2007 21:30:46 GMT

Aren't they obligated to make a decision within 30 days or they have to delete it? Take your time getting it back to them.

Re: CSC Stalling

Tuscani — Fri, 31 Aug 2007 02:13:14 GMT

cadavis0609 wrote:

Aren't they obligated to make a decision within 30 days or they have to delete it? Take your time getting it back to them.

Yep... and here is your leverage:

You

123 My St.

Beverly Hills, CA 90210

September xx, 2005

Re: follow up to letter sent 8/xx/2005

Certified Mail # xxxx xxxx xxxx xxxx xxxx, return receipt requested

CRA Address

Dear CRA:

This letter, sent via Certified Mail # xxxx xxxx xxxx xxxx xxxx, return receipt requested, serves as formal notice of your failure to investigate a dispute. I sent you a dispute on 8/xx/2005 via Certified Mail # xxxx xxxx xxxx xxxx xxxx which was signed for by you on 8/xx/2005. In that letter, I formally disputed inaccurate information listed on my consumer file. For your review, I have attached a copy of the original letter.

As you are well aware, federal law requires you to respond within 30 days, yet you have failed to investigate my dispute. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission (see 15 USC 41, et seq.). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC and the Attorney General of Texas should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), you may be liable for your willful non-compliance.

This is a serious error in reporting. Do not delay further. Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. I demand you immediately delete the following inaccurate entries from my file:

Entry #1, account number xxxxxxx

Entry #2, account number xxxxxxx

Entry #3, account number xxxxxxx

Entry #4, account number xxxxxxx

Entry #5, account number xxxxxxx

Entry #6, account number xxxxxxx

Sincerely,

You

123 My St.

Beverly Hills, CA 90210

DOB: xx-xx-xxxx

SSN: xxx-xx-xxxx

Re: CSC Stalling

cgmiller63 — Fri, 31 Aug 2007 02:22:04 GMT

Tuscani wrote:
Their typical stall tactic. You will need to give them the info they are requesting.

I would not give them any information. They need to prove the debt is yours - you don't need to prove the debt is NOT yours. If the debt was yours, they would already have the information they are asking you for. I'd respond with a DV letter (w/delivery confirmation) and if they cannot revert within 30 days, I'd send a letter to the CRA's asking them to remove the disputed account as the CA could not validate the debt.

Message Edited by cgmiller63 on 08-30-2007 07:22 PM

Re: CSC Stalling

Tuscani — Fri, 31 Aug 2007 02:46:03 GMT

cgmiller63 wrote:

Tuscani wrote:

Their typical stall tactic. You will need to give them the info they are requesting.

I would not give them any information. They need to prove the debt is yours - you don't need to prove the debt is NOT yours. If the debt was yours, they would already have the information they are asking you for. I'd respond with a DV letter (w/delivery confirmation) and if they cannot revert within 30 days, I'd send a letter to the CRA's asking them to remove the disputed account as the CA could not validate the debt.

Message Edited by cgmiller63 on 08-30-2007 07:22 PM

Well, they need to prove your identity as well. Once that is done they will investigate.

Re: CSC Stalling

cgmiller63 — Fri, 31 Aug 2007 02:49:45 GMT

Makes sense, but I read on this site to never give a CA your personal information such as your SS# because if they did not have it before, they'll have it after you give it to them. If you have the account number from your credit report I'd give that to them.

Re: CSC Stalling

Tuscani — Fri, 31 Aug 2007 02:57:29 GMT

cgmiller63 wrote:

Makes sense, but I read on this site to never give a CA your personal information such as your SS# because if they did not have it before, they'll have it after you give it to them. If you have the account number from your credit report I'd give that to them.

CSC is a CRA, not a CA.

Re: CSC Stalling

Anonymous — Mon, 03 Dec 2007 20:30:46 GMT

Tuscani - Awesome letter example(to CSC), I may have to use this to send to CSC if they don't delete my collections that have already been deleted from EX and TU.

Have you personally used this letter and gotten a quick response? It seems like it would work like a charm!

Re: CSC Stalling

Anonymous — Tue, 04 Dec 2007 01:00:16 GMT

Tusc, you write the best letters!!!!!!

Re: CSC Stalling

Anonymous — Tue, 04 Dec 2007 12:30:14 GMT

I had a nightmare a few weeks ago the CSC started handling EQ in AZ.

Re: CSC Stalling

Anonymous — Tue, 04 Dec 2007 18:45:35 GMT

Timothy wrote:
I had a nightmare a few weeks ago the CSC started handling EQ in AZ.

I wouldn't wish it on my worst enemy...as a matter of fact, they ARE my worst enemy!!