If what you filed was a dispute with the CRA under FCRA 611(a), they are requried to respond back to the CRA, and not with you.
Their period for response is such that it enables the CRA to complete their revew, and for the CRA to respond to you within 30-days of the date of your dispute.
That having been said, I would send HSBC a clear message, by sending them the following response:
"Dear Sirs:
"This is a response to your letter dated (date), in which you require additional information directtly from me in order to respond back to the credit reporting agency regarding my dispute filed with them under FCRA 611(a) regarding incomplete or inaccurate information you have reported to my credit file.
"You have requested from me, purportedly in order to complete my dispute, information that is NOT requried to be demanded directly from the consumer in order to identify the account, and identification of the information being disputed. All of that was supplied to the credit reporting agency as part of my dispute. My personal identification informtion is part of my credit file. I have complied with ALL the requirements of FCRA 611(a) by identifying my identity with the CRA, which they readily identified and accepted, identification of my account with you, and have provided a detailed explanation of the basis for my dispute to the credit reporting agency. If the CRA had sufficient information to identify me with the dispute, refer the dispute to you, and you also you had sufficient information to then contact me personally, which your letter has done, providing identifcation of the account and debt, that just kinda makes any further personal identification request on your part kinda....spurious?
Or, if you choose language of FCRA 611(a), "frivilous or irrelevant."
"If the credit reporting agency has failed to comply with the statutory requirement of FCRA 611(a)(2)(A), and not proviided to you "all relevant information regarding the dispute" that I supplied to them, which I did, then this request to me appears to have more properly have been addressed to the credit reporting agency. If they failed, due to their automated E-Oscar dispute process, to provide you with "all relevant information" that you need, your letter should be addresed to them, and not to me.
"FCRA 611(a)(1)(A) requires the credit reporting agency to report the results of your investigtion, and their reinvestigation, back to me within 30-days of my date of dispute. This spurious request to me. which should have been addressesed to the credit reporting agency, only detracts from their ability to comply with their statutory 30-day compliance time.
"I have complied with FCRA 611(a). I trust that you will do the same."
