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Peh102

Past 30 days...now what?

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Ok Guys...Again I can't find what I am looking for. I gave my copy of Kristy's book to a Prof here at the University. And, my eyes are blurred from working on this most of the day.

I just received an email alert from Equifax. My score dropped 28 points. They have just now listed my accounts under dispute. I sent this request August 29th. My green card shows they picked up Sept. 1.

They never sent me notification that they were extending their investigation the 15 days.

And, the first postings on my online report showed up October 4.

Is this a violation?

Seems kinda close to me....what do you think?

Peh/ :o :o :o :o :o :o :o :o :o :o :o :o :o :o :o

....going to bed now. ....Thank you credit bureaus for a wonderful day cleaning up YOUR mistakes!

Boy...is the credit reporting system messed up.

I am so glad that I have this site!!!!!!

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It's in section 611 of the FCRA:

Section 611(1)(B) Extension of period to reinvestigate. Except as provided in subparagraph ©, the 30-day period described in subparagraph (A) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.

So they don't really need to notify you they are extending the investigation by 15 days, but in order to do so, they must have received additional information from you. If you didn't send any, then yes, this is a violation.

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Ok...I did not send any additional info. But, what if they come back and say that a creditor sent additional info. Does that get them off the hook?

:ooh: P/pa

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The law doesn't say anywhere (at least that I can find) that the 30-day period is extended for any reason other than that you provide new information. If you didn't send them any new info, then they are stuck with the original 30 days.

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