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It is my understanding that when you requests the investigation methods from the CRA, they are required to send a detailed explanation of how they investigated your claim, who they spoke with and any/all paperwork they used to investigate. Instead, all they send is a standard form letter. Someone please help with this.
One word: e-Oscar
Although recent (last couple of years) regulations concerning investigations were supposed to tighten the process, it's still mainly automated due to the volume of timely processing disputes:
CRA >> lender "is this correct information you are reporting?"
Lender >> yes
Result >> Consumer "the information is validated":
https://rebuildcreditscores.com/what-is-the-e-oscar-method-of-investigation/
https://www.nclc.org/images/pdf/pr-reports/report-automated_injustice.pdf
https://www.creditcards.com/credit-card-news/credit_report_dispute-process-broken-1270.php
The pertinent case law that has interpreted requests under FCRA 611(a)(7) for disclosure of the procedure used to conduct reinvestigation of a dispute has generally held that the CRA is not required to produce detailed records and documentation.
They are normally required only to produce the names and contact address, if available, of the parties to which they referred to the dispute.