cancel
Showing results for 
Search instead for 
Did you mean: 

Question regarding the rules for disputes

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Valued Contributor

Question regarding the rules for disputes

Ok so I’m trying to see where I stand here.
I filed disputes with TU and EQ at the end of March regarding some accounts I had in collection. The TU dispute was received, addressed, and settled promptly and is no part of the crux of this post.

The dispute letters were sent CM, signature delivery. Received by EQ and signed for on 3/25 or so. I have the screen caps of “delivery to agent” to prove the dates, as well as copies of what was sent.

As of today, EQ has completely ignored/blown off the dispute. It has been 39 days since it was received and signed for. Doing some google sleuthing, I found references to the permissibility of filing an FTC complaint against EQ since they are required to respond and investigate, and complete said investigation, in 30 days. I trust the members here more than random discussions and wanted to ask you all - is an FTC complaint the right next step? As I said, they haven’t acknowledged the dispute, acted upon it, or even noted the account as being in dispute. It’s as if it wasn’t ever sent, except that I have the delivery proof. I have not reached out to EQ regarding this as I wasn’t sure if that was proper and didn’t want to make a misstep. What might be the next best step to take in handling this?


Rose Gold | BCP | Delta Gold | Hilton Surpass | Hilton Honors | IT Cash | IT Chrome | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Kohl’s

5/24, 1/24, 76445/24, who cares #HappyWithAmex





Entering the garden 5/27/2019, staying until 2020




Message 1 of 16
15 REPLIES 15
Valued Contributor

Re: Question regarding the rules for disputes

They just did you a favor. § 611 Procedure in case of disputed accuracy [15 U.S.C. § 1681i]

 


"My Take Home Pay Don't Take Me Home"
Synovus75k/CapOne11k/Disco9k/GoodSamsVS5k/Synch45.6k/CitiBank11k/Amex19k
Inquiries: tu(6), eq(4) and exp(8)(most fall off by Nov 2021)
Current Scores: EXP714, TU737, EQ735
Message 2 of 16
Valued Contributor

Re: Question regarding the rules for disputes

I will look that up right now - thank you Smiley Happy


Rose Gold | BCP | Delta Gold | Hilton Surpass | Hilton Honors | IT Cash | IT Chrome | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Kohl’s

5/24, 1/24, 76445/24, who cares #HappyWithAmex





Entering the garden 5/27/2019, staying until 2020




Message 3 of 16
Valued Contributor

Re: Question regarding the rules for disputes

Looks like 611-1a is the ticket - investigate within 30 days or delete the entry. I like it. Recommend doing it via email, phone, snail mail, or website?


Rose Gold | BCP | Delta Gold | Hilton Surpass | Hilton Honors | IT Cash | IT Chrome | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Kohl’s

5/24, 1/24, 76445/24, who cares #HappyWithAmex





Entering the garden 5/27/2019, staying until 2020




Message 4 of 16
Valued Contributor

Re: Question regarding the rules for disputes

I sent you the link with the form letter.


"My Take Home Pay Don't Take Me Home"
Synovus75k/CapOne11k/Disco9k/GoodSamsVS5k/Synch45.6k/CitiBank11k/Amex19k
Inquiries: tu(6), eq(4) and exp(8)(most fall off by Nov 2021)
Current Scores: EXP714, TU737, EQ735
Message 5 of 16
Regular Contributor

Re: Question regarding the rules for disputes


@ImTheDevil wrote:
Looks like 611-1a is the ticket - investigate within 30 days or delete the entry. I like it. Recommend doing it via email, phone, snail mail, or website?

Let us know the outcome!

Starting FICO 8 December 2017


FICO 8 as of 9/7/19

FICO 5/4/2 as of 9/7/19




Sock Drawer:


Goal: Middle Mortgage Score of 720 by 4/2020
Message 6 of 16
Valued Contributor

Re: Question regarding the rules for disputes

Got it and printed my letter already - thank you again!!


Rose Gold | BCP | Delta Gold | Hilton Surpass | Hilton Honors | IT Cash | IT Chrome | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Kohl’s

5/24, 1/24, 76445/24, who cares #HappyWithAmex





Entering the garden 5/27/2019, staying until 2020




Message 7 of 16
Valued Contributor

Re: Question regarding the rules for disputes

Great and include copies of your receipts from prior letter as well.


"My Take Home Pay Don't Take Me Home"
Synovus75k/CapOne11k/Disco9k/GoodSamsVS5k/Synch45.6k/CitiBank11k/Amex19k
Inquiries: tu(6), eq(4) and exp(8)(most fall off by Nov 2021)
Current Scores: EXP714, TU737, EQ735
Message 8 of 16
Valued Contributor

Re: Question regarding the rules for disputes

Yup I have multiple copies of everything in my file at home, just waiting to send off.


Rose Gold | BCP | Delta Gold | Hilton Surpass | Hilton Honors | IT Cash | IT Chrome | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Kohl’s

5/24, 1/24, 76445/24, who cares #HappyWithAmex





Entering the garden 5/27/2019, staying until 2020




Message 9 of 16
Valued Contributor

Re: Question regarding the rules for disputes


@ImTheDevil wrote:
Yup I have multiple copies of everything in my file at home, just waiting to send off.

Please let me know how this goes!  I acually filed a complaint with my State Attorney General and the CFPB (twice) against EQ.  EQ updated on the very last day that they needed more time :/ so they got another 60 days... 

Message 10 of 16
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.