dchap Posted April 26, 2003 Report Share Posted April 26, 2003 Well, TU is a real pain in the #%&. I just opened the letter from them and it said:Our records show that your creditor (s) previously verified as accurate the items that are listed below. Thererfor, under the Fair Credit Reporting Act, we consider this dispute frivolous and will not reinvestigate the item (s) unless you can provide court papers or a recent, authentic letter from the creditor (s) that explains what information should be updated.If you disagree with the results of your dispute, you may add a consumer stsement of 100 words or less to your report or you my contact the creditor directly. The names and addresses are listed below.Any body have any suggestions? Another plan of atack! Or does the we will not reinvestagate run me into wall?DC Link to comment Share on other sites More sharing options...
morrow Posted April 26, 2003 Report Share Posted April 26, 2003 WOW, pretty harsh! What did you dispute? Was it more than one item?Anyways, they HAVE to investigate. Maybe try disputing something else within the account(s), like the account number or the balance. Link to comment Share on other sites More sharing options...
dchap Posted April 26, 2003 Author Report Share Posted April 26, 2003 Hey Marrow,I only had one thing that I wished removed as I am waiting to hear back from GWs sent to differnt CCs.DC Link to comment Share on other sites More sharing options...
raisingmyscore Posted April 27, 2003 Report Share Posted April 27, 2003 Dont be discouraged, just wait a week and redispute online. I have had that happen 3 or 4 times, and I usually wait a week and then redispute online the item they say is "frivolous".I have never seen the same item come back twice as 'frivolous".I stopped mailing or calling in my disputes. For some reason i have much more luck online. Link to comment Share on other sites More sharing options...
Waxworks Posted April 27, 2003 Report Share Posted April 27, 2003 <blockquote>Originally posted by raisingmyscoreI stopped mailing or calling in my disputes. For some reason i have much more luck online.</blockquote>I had no luck with EQ or TU online....but I have had great success with EX online, and by phone.......got almost all my address removed, and 20 items dropped from EX, 10 are in investigations til the 30th...thats my EX date, and Mom's Day (5-11) are my TU and EQ updates.......in the meantime, I am waiting to mail out these DV letters, about the paid charge-offs and paid collections. Link to comment Share on other sites More sharing options...
morrow Posted April 27, 2003 Report Share Posted April 27, 2003 <blockquote>Originally posted by WaxworksI had no luck with EQ or TU online....but I have had great success with EX online, and by phone.......got almost all my address removed, and 20 items dropped from EX</blockquote>Wow thats pretty good....what kind of stuff did you dispute? Late pays, collections? Link to comment Share on other sites More sharing options...
kimber6337 Posted April 27, 2003 Report Share Posted April 27, 2003 I've had better luck doing dispute online or calling in.Not sure about CSC online though. I did disputes on there on Friday and they haven't shown up on EQ as disputed yet..we'll see. Link to comment Share on other sites More sharing options...
dchap Posted April 27, 2003 Author Report Share Posted April 27, 2003 Should I dispute as not mine when try the onlne approach for the fist time? Thanks DC Link to comment Share on other sites More sharing options...
Waxworks Posted April 27, 2003 Report Share Posted April 27, 2003 <blockquote>Originally posted by morrowWow thats pretty good....what kind of stuff did you dispute? Late pays, collections?</blockquote>Paid COs and some were not even paid, just marked as CO, even got and my repo isnt listed as a repo, just a CO, I got it deleted from EQ. EQ is also completed, and EX is due 4-30, and TU is 5-11. A trick I learned with EX......do the online dispute, and if it asks for more info, call in and dispute over the phone, using a different excuse. It isnt a guarentee, but its worth a shot. ....By the way......I want a cartoon figure!!!!!!! Link to comment Share on other sites More sharing options...
Recommended Posts