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Found 2 results

  1. I recently disputed an LVNV trade line with EQ & TU. Of course, both came back "Verified". I sent the following letter to both companies certified with return receipt. Dear Consumer Relations, After receiving and reviewing the results of a recent dispute filed with your company, I am now requesting the method you used to verify certain items on the credit file dated XXXXX. FCRA (a)(6)(B)(iii) states that upon request you must provide me with a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to the business name and address of any furnisher of information contacted in connection with such information and the contact information of such furnisher if reasonably available. I am requesting this for the following accounts XXXXXXXXXX As stated in FCRA 611 (a)(7) you must provide this information no later than 15 days after receiving this request. I appreciate your handling of this request in a timely manner. Both companies responded with basically the same canned response. We may search for information electronically, we update your credit file with information received, etc. No specifics as to the dispute in question. I also sent a letter to the Furnisher asking them to check the accuracy of what they are reporting with 30 days to respond. (they still have 2 weeks to respond) My question is, what is the next step with the CRA's? This is obviously their attempt at "we aren't giving you any additional information" Thanks in advance, any help is greatly appreciated.
  2. Hello Everyone, This is my first post and I will try to make it short and clear. I have been disputing accounts with experian and right now I am at the Methhod of Verification stage. I sent letters certified mail and shows they have been delivered. My question is ths: How long do they ACTUALLY have to supply results back to you? is it 15 days or 30 days? The reason I ask is because their website states: "We ask the source to check their records to verify all of the information regarding the item you questioned, and report back to us within 30 days of the date that we received your request" However, the FCRA FCRA, Section 611 (a)(6) and (7). The credit reporting agency must give you the method of verification information within 15 days of your request. Was this changed to 30 days in favor of credit bureaus? Or is Experian just trying to buy themselves more time? I searched for this topic but I couldn't find it with the search option for this board. Im sorry If it was answered somewhere else and I may have overlooked it.