Ravenous Wolf Posted February 6, 2003 Report Share Posted February 6, 2003 The CRA’s are now sending me letters that they will not investigate a dispute because they previously verified it. I am considering adding the following notation at the beginning of my dispute letter to the CRA’s. I am really unsure about the second paragraph. Although many people on this board have threatened the CRA’s, I never have done so because they have actually done at least half of what I have asked them to do (some more so than others). I have been firm and unwavering but I have never indicated that I would report them to the FTC or my state AG.How will the CRA’s treat my future disputes if I begin including threats to report them to the FTC or the state AG?I am interested in anyone’s opinion of this notation. I also included a slight variation of this notation beneath it.*******Important Note:[TAB]You are required by the Fair Credit Reporting Act (FCRA) to re-investigate my consumer dispute even though you have already verified this credit information. I am enclosing additional information about this credit item not available to you when you previously investigated my dispute. Failure to fully investigate this dispute is a violation of federal law and such willful negligence will be reported to the Federal Trade Commission (FTC) and to the Texas Attorney General’s Office. *************Important Note:[TAB]You are required by the Fair Credit Reporting Act (FCRA) to re-investigate my consumer dispute even though you have already verified this credit information. The creditor now has additional information about this credit item not available to you when you previously investigated my dispute. Failure to fully investigate this dispute is a violation of federal law and such willful negligence will be reported to the Federal Trade Commission (FTC) and to the Texas Attorney General’s Office. [Edit by Ravenous Wolf on Saturday, February 8, 2003 @ 12:44 PM] Link to comment Share on other sites More sharing options...
kimber6337 Posted February 14, 2003 Report Share Posted February 14, 2003 What are you saying in your disputes? If you use the same thing over and over they will deem it BS... Link to comment Share on other sites More sharing options...
Ravenous Wolf Posted February 19, 2003 Author Report Share Posted February 19, 2003 I use plenty of creative variations in my disputes.However, I am getting the impression that part of this entire process is a crap shoot. I got a paid collection deleted for one CRA using but the other two ignored the same letter.Like, I can send something written on toilet paper, but it depends on what the investigator had for breakfast that money. Maybe this is more random. Link to comment Share on other sites More sharing options...
Swede Posted February 19, 2003 Report Share Posted February 19, 2003 <blockquote>Originally posted by Ravenous WolfLike, I can send something written on toilet paper, but it depends on what the investigator had for breakfast that money. Maybe this is more random.</blockquote>Did you check the weather in China....? Could be a factor... Link to comment Share on other sites More sharing options...
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