I am raging mad

[Anonymous]

Hope you can help me guys. I got a letter yesterday from experian saying that they need more information on the billion letters (don't ask how much I spent)asking for verification. Today I got a letter from TU that says they received a letter on 12/19 and then on 12/20 and because they received more info from me they have an additional 15 days!!!! I did not send additional info. just different letters for each disputed item. What do I do? For experian do I have to give them specific reasons??? I am at a complete loss with the idiots at TU? Can anyone help with what to say??? Time is of the essence with these jerk offs.(sorry I am really mad right now)

[Anonymous]

Of the three credit reporting agencys, my experience is that Eqifax is the best at deleting inaccurate information and experian is the absolute worst.

just recieved a letter from experian myself, that claims the actual acounting Data from Hollywood video was useless to them. Both Equifax and Transunion deleted the inaccurate information due to the same proof.

Our maddness may turn too gladness if experian continues too violate the FCRA.

Good luck too ya

Oh yea if you live in the southeast, Most lenders rely on Eqifax anyway.

[adtripho]

<blockquote>Originally posted by hobbester

Hope you can help me guys. I got a letter yesterday from experian saying that they need more information on the billion letters (don't ask how much I spent)asking for verification. Today I got a letter from TU that says they received a letter on 12/19 and then on 12/20 and because they received more info from me they have an additional 15 days!!!! I did not send additional info. just different letters for each disputed item. What do I do? For experian do I have to give them specific reasons??? I am at a complete loss with the idiots at TU? Can anyone help with what to say??? Time is of the essence with these jerk offs.(sorry I am really mad right now)

</blockquote>

With regard to experian asking for more information just, as posted to a question of mine by admin here, simply don't. The info is on the credit report. As long as you provided the account number listed for their entry on your credit report they can find it.

With regard to TU I would just ignore it. If you have the copies of your letters which clearly indicate they are for different entries then you have it. Each item is just that. Because you sent one letter for one item one day, and another letter for another item does not give them the extra 15 days. They're just being cute with you.

[Anonymous]

TU sent me a similar letter, adding 15 days. I wrote back telling them they were confused. Since each letter stood alone, they had to stick to the 30 day provision in the regs. To do otherwise would be a violation, and I cannot waive my rights under the law and allow them to proceed in a state of confusion.

(I also told them that this "clarifying" letter in no way provided new information on any existing investigation. Again, it was sent to help them with their confusion about the information they already had in front of them).

TU will do what it wants to do. I sent the response rather than ignore them so that later a judge couldn't say to me "if you knew they were wrong why didn't you call it to their attention as soon as you got the letter?"

[Edit by Bull_Durham on Thursday, January 2, 2003 @ 11:14 PM]

[admin]

Pammila, with all due respect, they must treat each letter as a separate dispute, no matter how "irritated" they feel.

Trans Union is clearly in violation.

[Edit by admin on Friday, January 3, 2003 @ 09:31 AM]

[LadynRed]

The general reasoning for a separate letter for EACH DISPUTE seems to be, from what I've read, is that if you put too many disputes in a single letter, the CRA's will blow you off with a 'frivolous' charge and then they simply ignore you. Many disputes in one letter apparently irritates them even more and they seem to feel you're just disputing right and left so they brand you as 'frivolous' !!

So, one dispute, one letter .. harder to mark your diputes as 'frivolous' - which I think should NOT be allowed in the first place !

[creditfix]

<blockquote>Originally posted by kb9tbq

Well I guess one letter should be sufficiant if you are very clear and spell everything out to them.

But one the other hand if you want to play games w/ them then more than one letter would be needed so you don't get the same processor, to link together what you are doing.

This looks to be the differance to me.

</blockquote>

Pammilla, that's awfully accusatory. As unscrupulous as your industry has been, give us a little credit here. The FTC has sued the CRAs on more than one occasion and the CRAs have had to pay many fines for their unscrupulous and unfair business practices from the way I have read the articles pertaining to this.As far as what TU did by sending out the letters that they received additional info so they get another 15 days, we received that tacky little letter also. I called and got a very nice woman on the phone that told me she had no idea why they would send such a letter because it was clear by all of our individual letters that we were not adding any additional info to the dispute. She said to ignore the letter and the reinvestigation will be complete by end of business today.

[Edit by creditfix on Friday, January 3, 2003 @ 05:33 PM]

[cookiemnster]

<blockquote>Originally posted by creditfix

As far as what TU did by sending out the letters that they received additional info so they get another 15 days, we received that tacky little letter also. I called and got a very nice woman on the phone that told me she had no idea why they would send such a letter because it was clear by all of our individual letters that we were not adding any additional info to the dispute. She said to ignore the letter and the reinvestigation will be complete by end of business today.

:rolleyes</blockquote>

I didn't even call them to ask what it was about. I simply ignored it, and TU finished my investigation on day 29, deleting everything I asked them to

[cookiemnster]

<blockquote>Originally posted by kb9tbq

Sry Creditfix -

I know about the disputing side of things, just not the methods, I have only been in this industry 2 years now, 2 years of learning & working on my own personal credit. Did have some negative info on my credit reports, but in my case I pretty much just waited them out, and worked the other side of managing the right type of accounts. Since than I have seen better than a 100 point improvement.

But always I have used an upfront method when dealing w/ the credit reporting agencies, sharing all information & explaining exactly what I wanted done. Even before getting into my area of work.

Work more w/ using there system against them - since they make the rules. I still can't figure out what DV means? Been reading these posts like crazy, and trying to adapt w/ methods here, have learned far more recently since dropping in here, at least getting better ideas to incorperate into what does work.

Been sharing alot that I find here w/ my area customers. Plus I have access to unlimited information from a collection agency, on any questions asked in here, every single day for me is credit reporting. 2 years straight no vacation, I am so bad that I wake up 1st thing thinking about it, and it is the last thing I think about at night. Feel like a rat in a cage running puzzles all day long. Just keep working the senarios for different problems. Guess, just get a bit carried away. :upsidown:

</blockquote>

DV=Debt Validation

I think the main reason that everyone sent in this last round of disputes 1 dispute per letter is because it was part of the Creditnet Holiday Onslaught of Disputes, or CHOD. There's even a category in the forum for CHOD results, you've posted in it; that's what it's for. I didn't do one per letter, btw, I did 4-5 per letter.

Lots of people on vacation at the CRA's and CA's, fewer working days due to the holidays, etc., and the intent was to overwhelm them with disputes in the hopes that some would get deleted because the poor people working there just didn't have the time to get around to verifying.

It's gotten mixed results, but it was worth a shot.

I don't know if the people here recommend one dispute per letter during non-CHOD times, though. Conventional wisdom on other boards is that 4-5 is enough for one letter, lest they deem you "frivolous" for trying to get all derogs off at once.

[cookiemnster]

<blockquote>Originally posted by kb9tbq

See, I don't think the idea of over running the CRA's could work all that well since each CRA has many affiliate companies that take up territories to handle disputes.

My credit bureau just happens to be an affiliate to on of these companies for Illinois. When I posed the question to lady friend there, she laughed and told me; they had there end covered.

</blockquote>

Yes, but a great deal of us aren't in an area served by an affiliate. Many of us are served directly by the big 3 (like me, I'm in CA, and my disputes go directly to TU, EX, and EQ at their main addresses.)

That being said, I don't think we ever expected to "overrun" the credit bureaus. I think the hope/goal was to make them a little busier than normal at a time of year when they're already a little busier than normal, in the hope that a dispute or two would fall through the cracks.

At the very least, with EQ at least, it was a nice artificial boost in the FICO if we wanted to get that Macy's card for the 10% discount on our Christmas shopping

[creditfix]

I didn't even call them to ask what it was about. I simply ignored it, and TU finished my investigation on day 29, deleting everything I asked them to

Congrats, Cookiemnster on your deletions! :upsidown: :upsidown:

[Edit by creditfix on Saturday, January 4, 2003 @ 12:02 AM]

[cookiemnster]

<blockquote>Originally posted by kb9tbq

I think luck comes into play depending on the processor whom gets the dispute, how far they want to exhaust the verification.

[cookiemnster]

<blockquote>Originally posted by creditfix

Congrats, Cookiemnster on your deletions! :upsidown: :upsidown:

</blockquote>

Thanks, Creditfix! TU is getting so close to being CLEAN! Whooo hoooo! :)

[Anonymous]

Wow! Thanks to all of you who posted replies. Makes me feel better to know that I am not alone in this. In the interim, I have received six more stupid letters from TU (one a duplicate)and 3 from Experian and 2 from Equifax. Just so glad that I have the green cards because on some of them they are saying they received them 1 1/2 weeks later than they were signed for. I will let you know how it goes. (I am afraid to see how much more trickier or stupid they can be)