reply from TransUnion, Now what...How do I respond back?

[Anonymous]

I had previously disputed some items on my CR. They were inaccurate or not mine, etc. I sent them a request to tell me how exactly they verified the information and that I wanted concrete documents that showed that the accounts they were reporting were accurate. this is the reply I got. Now I need to know how to respond to them.

Than you for contacting TU. Our goal is to maintain complete and accurate information on consumer credit reports. We have provided the information below in response to your request.

Re: General Policy

TU's procedures for investigating disputed information is to contact, by mail, electronic means or telophone, the source of information. Each source is advised of your dispute and is requested to verify its accuracy and/or completeness of the information reported.

Once the verification repsonses are received, the disputed information is udated accordingly. Changes are reflected on the summary of results that is sent to you at the conclusion of our investigation. If you have any questions regarding the results of the investigation, please contact the creditors directly.

If you have any additional questions or concerns, please contact TU at the address shown below or visit us on the web. When contacting our office please provide your current file number.

[Anonymous]

This is also what i wrote to them..

My Name
My address
my city, state and zipcode

TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19022-2000

July 31, 2008

Dear Sir or Madam:

This letter is a formal request for the description and procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, telephone number and people spoke with of any furnisher of information contacted in connection with this reinvestigation.

I am quiet frustrated that you have failed to maintain reasonable procedures to assure completeness and accuracy in the information you publish, and insist that you comply with the laws by providing the requested information with in the 15 days allowed. If you are unable to do so, I demand that you delete the entries.

For your benefit, and a gesture of my goodwill, I will restate the relevant disputes:

1.)   Account #1 information

2.)   Acount #2, etc so forth

I have previously, one or more times, disputed the above items as inaccurate and incomplete and you only responded to me with “verified” or “updated” information. I still believe that the above need to be deleted promptly.

I am going to request that when viewing and responding to this complaint that you make sure that every blank is filled in my report with ACCURATE information. If you can not provide me with proper documentation on how you verified this debt and that it is accurately reported, I ask that you DELETE the entries on my credit report promptly. According to the fair credit reporting laws, it states that you must ACCURATELY and COMPLETELY report data. The above are not and therefore in violation of my rights. My credit and score is very important to me. I would appreciate prompt action on your part.

Thank you kindly,

[Anonymous]

Just a suggestion.  In your letter quote the FCRA  para and section.  It will let them know you know the laws.

[Anonymous]

FCRA 611(a)(6)(B)(iii)

a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available;

FCRA 611(a)(7)

Description of reinvestigation procedure.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph (6)(B)(iii) by not later than 15 days after receiving a request from the consumer for that description.

I would respond with a letter stating that they did not provide a description of the procedure they used during your dispute, but rather a description of the procedures that they normally use and that they failed to provide you with the information FCRA 611(a)(6)(iii) states.  If there is a reason that this information is not reasonably available, please explain.

Message Edited by sidewinder on 08-10-2008 12:15 PM