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TU sent me "third party" letter..to slow time?


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i am currently disputing dh's reports w the CRA's..there 30 days is up today...anyhow, i just started my disputes and TU received theres on 5-14..well wouldnt u know it today i get a letter from them w a copy of my letter and license, w a letter from them saying that it appears to be from a 3rd paty and to be sure it is from me to send my signature and specific account information disputes in order to proceed this request......ok i did ALL THIS!! iknow i have seen this posted before but cant find it...so what do i do....is it now delaYED..do i have to do what they say??? is this just a tactic to slow things down for them...any help would be greatly appreciated!!! thanks everyone!!!

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Ive seen a post about this before (bullshit letter from the CRA stating its from a 3rd party credit repair agency). If i recollect correctly, another person did not resond and sent them the 30 days up/remove now letter at the 30 day mark and got the TLs deleted. I think by responding, you give them grounds to start the clock again.

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Do not send them an ITS letter, TU has a policy of placing you in the "special handling" department if you do this. That means you can't just call anyone up, you need to call a certain number and deal with one specific person who will return your call at their convenience.

Try calling up, ask for a supervisor and demand that she starts the dispute process. Fax over your proof of the items disputed and your green card.

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Your Name

123 Your Street Address

Your City, ST 01234

Big Credit Bureau

Their Street Address

Some City, ST 56789


RE: Dispute Letter of 2/10/1999

Dear Credit Bureau,

This letter is formal notice that you have failed to comply to my dispute letter of 2/10/1999, deposited by registered mail with the Post Office on that date.

As you are well aware, federal law requires you to comply within 30 days, yet you have failed to do so. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission (see 15 USC 41, et seq.). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure.

For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and deleted from the report as soon as possible:

CREDITOR AGENCY, acct. 123-34567-ABC

The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you had 30 days to complete your reinvestigation, yet you have failed to comply to my request. Do not delay further.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation.


your signature

Your Name

SSN# 123-45-6789

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