Lizzy Posted July 5, 2003 Report Share Posted July 5, 2003 I disputed an account on all 2 CRA's and I got a letter from the OC which reads:"We are writing to you in reference to your recent credit bureau dispute indicating this account is not yours. At this time, we are requesting that you send us a signed letter of dispute so we can proceed with our investigation. Your assistance in this matter is appreciated."I should just ignore this? My 30 days is up July 16th. I am not about to send anything with my signature on it.Any advice would be appreciated Liz Link to comment Share on other sites More sharing options...
sisflomi Posted July 5, 2003 Report Share Posted July 5, 2003 Yes, I think you should just ignore this letter from the OC. Don't give them any help with this matter. It is up to them to prove this account is yours. Again you are right, don't send your signature to anyone. Link to comment Share on other sites More sharing options...
Lizzy Posted July 6, 2003 Author Report Share Posted July 6, 2003 <blockquote>Originally posted by sisflomiYes, I think you should just ignore this letter from the OC. Don't give them any help with this matter. It is up to them to prove this account is yours. Again you are right, don't send your signature to anyone. </blockquote>I know better to send anything signed. I was wondering if anyone else ever got a letter like that in the mail. Liz Link to comment Share on other sites More sharing options...
Pale Rider Posted July 6, 2003 Report Share Posted July 6, 2003 Here is something from FTC opinions that might help http://www.ftc.gov/os/statutes/fcra/cohan2.htm2. Can a furnisher of information to CRAs require a re-seller of consumer reports to provide the "written consent of a consumer" before the furnisher complies with Section 623( of the FCRA? No. Section 623( requires the furnisher to conduct an investigation of disputed information when it is notified by a CRA pursuant to Section 611(a)(2) that a consumer disputes the completeness or accuracy of the furnisher's information with a consumer reporting agency. The consumer's dispute to the CRA under Section 611(a)(1)(A) triggers the furnisher's responsibility to investigate, and the furnisher cannot frustrate the aims of the obligation (or delay the process) by requiring the consumer to, in effect, double-authorize the investigation in a manner that is more burdensome than required by that provision.(2) Link to comment Share on other sites More sharing options...
Lizzy Posted July 6, 2003 Author Report Share Posted July 6, 2003 <blockquote>Originally posted by Pale RiderHere is something from FTC opinions that might help http://www.ftc.gov/os/statutes/fcra/cohan2.htm2. Can a furnisher of information to CRAs require a re-seller of consumer reports to provide the "written consent of a consumer" before the furnisher complies with Section 623( of the FCRA? No. Section 623( requires the furnisher to conduct an investigation of disputed information when it is notified by a CRA pursuant to Section 611(a)(2) that a consumer disputes the completeness or accuracy of the furnisher's information with a consumer reporting agency. The consumer's dispute to the CRA under Section 611(a)(1)(A) triggers the furnisher's responsibility to investigate, and the furnisher cannot frustrate the aims of the obligation (or delay the process) by requiring the consumer to, in effect, double-authorize the investigation in a manner that is more burdensome than required by that provision.(2)</blockquote>So I am assuming they are trying to delay things or they no longer have good records. Thank you for your reply. Liz Link to comment Share on other sites More sharing options...
Lizzy Posted July 7, 2003 Author Report Share Posted July 7, 2003 bump Link to comment Share on other sites More sharing options...
Smitty Posted July 7, 2003 Report Share Posted July 7, 2003 <blockquote>Originally posted by LizzySo I am assuming they are trying to delay things or they no longer have good records. Thank you for your reply. Liz</blockquote>One or both of your assumptions are likely correct. Link to comment Share on other sites More sharing options...
stevem5000 Posted July 7, 2003 Report Share Posted July 7, 2003 It is also possible they want to get a look at your signatue for possible "forgery" attempts... Link to comment Share on other sites More sharing options...
kb9tbq Posted July 7, 2003 Report Share Posted July 7, 2003 Very good information you found there Pale Rider, didn't realize that (but in cases of ID Theft) I do think cooperation is in the best interest of the consumer. But for this case, yes it is very interesting.Could also be that they want to catch you, to either 1) fabricate what they lost, or possible 2) match up your handwriting with what they may still yet have on file. Link to comment Share on other sites More sharing options...
Lizzy Posted July 7, 2003 Author Report Share Posted July 7, 2003 I will ignore this letter. How will they know I even recieved it? My 30 days of disputes with the 2 CRA's is July 18th. I will keep my fingers crossed that I do not get a phone call. Liz Link to comment Share on other sites More sharing options...
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