techgoddess Posted July 14, 2003 Report Share Posted July 14, 2003 I just got home from work and checked my mail and my TU results were in it. SDSU student loan - deletedCircuit City - New infoMTSU student loan - verifiedDept of Education - verified3 more student loans - deletedCool! 3 out of 7 ain't bad!Here's the problem: They completely ignored one of my disputes! I disputed Discover as "not mine" and it wasn't even listed on my results. It was the first one on my letter! I think I should be celebrating but I'm not sure how to go about dealing with this. Any advice would be good. Link to comment Share on other sites More sharing options...
techgoddess Posted July 15, 2003 Author Report Share Posted July 15, 2003 Bump! Link to comment Share on other sites More sharing options...
sisflomi Posted July 15, 2003 Report Share Posted July 15, 2003 Date: RE: CRRR#TransUnionPO BOX 2000Chester PA 19022Dear Reviewers:Over 30 days have passed since I requested you verify the inaccurate items that I have enclosed a copy of. The date of the original dispute is February 3, 2003. Since this item was not verified within the 30 days allowed and in accordance with the law (FCRA), I request that this item be removed immediately. Here is the section of FCRA that I am referencing:§ 611. Procedure in case of disputed accuracy [15 U.S.C. § 1681i](a) Reinvestigations of disputed information. (1) Reinvestigation required. (A) In general. If the completeness or accuracy of any item of information contained in a consumer's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph (5), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. (5) Treatment of inaccurate or unverifiable information. (A) In general. If, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shall promptly delete that item of information from the consumer's file or modify that item of information, as appropriate, based on the results of the reinvestigation.The account information is as follows:Account NameAccount #I am sure that you will attend to this matter and will send me my free updated copy of my credit file.Respectfully,NameAddressSS#DOBEnclosuresCC: FTC, PA Attorney General, YOUR STATE Attorney General Link to comment Share on other sites More sharing options...
techgoddess Posted July 15, 2003 Author Report Share Posted July 15, 2003 Thanks Sis!!!!!Now, can I still start my next round of disputes or do I need to wait until I have this whole thing cleared up first? Link to comment Share on other sites More sharing options...
sisflomi Posted July 15, 2003 Report Share Posted July 15, 2003 What I did with TU is finish all three rounds that I did with them. After they were complete I sent this letter to them. I had more in it than this, as I had already sent it once with the last dispute and they didn't even acknowledge it at all, but I had not sent copies of everything with it either. So, my experiance is to do this at a seperate time when there are no other disputes going on. Link to comment Share on other sites More sharing options...
techgoddess Posted July 15, 2003 Author Report Share Posted July 15, 2003 How long did it take? Link to comment Share on other sites More sharing options...
sisflomi Posted July 15, 2003 Report Share Posted July 15, 2003 About two and half weeks. Link to comment Share on other sites More sharing options...
techgoddess Posted July 15, 2003 Author Report Share Posted July 15, 2003 ThanksI'll fax this off tomorrow and I'll keep you posted. Link to comment Share on other sites More sharing options...
BrassFan Posted July 15, 2003 Report Share Posted July 15, 2003 Here's the problem: They completely ignored one of my disputes! I disputed Discover as "not mine" and it wasn't even listed on my results. It was the first one on my letter! I think I should be celebrating but I'm not sure how to go about dealing with this. Any advice would be good.Quick question...has it been more than 30 days since you disputed? If not, they may still be waiting for a response. (i.e. it may still be 'pending' ) Link to comment Share on other sites More sharing options...
techgoddess Posted July 15, 2003 Author Report Share Posted July 15, 2003 It's been 35 days Link to comment Share on other sites More sharing options...
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