hollypc Posted March 25, 2003 Report Share Posted March 25, 2003 I sent a dispute CCRRR to Experian. I called them today to check on the status of my investigation, I cannot view anything online anymore. They have no record of my dispute. I have the letter and the receipts. What is my next step since the did not validate within 30 days?Do they have to delete now?Do I send them another letter?Thanks,Holly Link to comment Share on other sites More sharing options...
Anonymous Posted March 25, 2003 Report Share Posted March 25, 2003 I would send letter with copy of first dispute and certifed mail receipt. State that they made an error, but unfortunately that is not your fault and the item should be deleted according to FCRA. They signed for the first letter, and you should not have to suffer because they lost it. Link to comment Share on other sites More sharing options...
sweetpea Posted March 26, 2003 Report Share Posted March 26, 2003 (edited) <blockquote>Originally posted by kenrb01I would send letter with copy of first dispute and certifed mail receipt. State that they made an error, but unfortunately that is not your fault and the item should be deleted according to FCRA. They signed for the first letter, and you should not have to suffer because they lost it.</blockquote>I know thats rightPeace Out ________Glass bongs Edited May 12, 2011 by sweetpea Link to comment Share on other sites More sharing options...
hollypc Posted April 3, 2003 Author Report Share Posted April 3, 2003 They did it again with another dispute.2 letters I have proof they signed for and they have no record of it. It realyy pisses me off. Link to comment Share on other sites More sharing options...
calawyer Posted April 3, 2003 Report Share Posted April 3, 2003 Send them both at the same time. Tell them it sure looks as if they have a practice of not responding. Link to comment Share on other sites More sharing options...
hollypc Posted April 3, 2003 Author Report Share Posted April 3, 2003 This is one letter I sent to them regarding one issue: I changed the dates becaue you never know who is on these boards.4/3/2003RE: Dispute Letter of 13/45/2003Dear Credit Bureau, This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of 22/220/2003, deposited by registered mail with the Post Office that date. Enclosed is a copy of the letter and the return receipt proving that your company signed for the letter on 22/282/2003. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. 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. According to the FTC these items must now be deleted because you did not comply with federal regulations. For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs deleted from the report as soon as possible: Collection –Collection 2Collection 3The listed items are completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to me.Under federal law, you had 30 days to complete your investigation, yet you have failed to respond. Do not delay further to delete this item.Thank you very much for helping me to resolve this issue. Sincerely, MeWhat do you guys think? Link to comment Share on other sites More sharing options...
timbercreektech Posted April 3, 2003 Report Share Posted April 3, 2003 Holly wrote:The listed items are completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to me.Timbercreektech says:I would specify what specifically is inaccurate and incomplete. Examples would be "Not Mine", "Wrong Balance", "Wrong Date". Maybe they never acted because they could claim the request was not clear. Always assume they are drones being told what to do. You get to tell them.I would also use the words: I demand that this misleading information be deleted. Please supply me with an updated credit report showing these corrections. I am not always as pleasant second time around.Keep us posted. [Edit by timbercreektech on Thursday, April 3, 2003 @ 11:40 AM] Link to comment Share on other sites More sharing options...
hollypc Posted April 3, 2003 Author Report Share Posted April 3, 2003 I agree. I specified that in my first letter, all of them as not mine. But since they never responded to my letter, I was general and told them since they did not verify in 30 days, delete now.I do agree though that I should probably specify in all letters as not mine.Thanks for the tip. Link to comment Share on other sites More sharing options...
hollypc Posted April 24, 2003 Author Report Share Posted April 24, 2003 Sent them an ITS letter. They ignored that. I filed in Small Claims Court. We'll see if they respond to that. Link to comment Share on other sites More sharing options...
grantjeffries Posted May 31, 2003 Report Share Posted May 31, 2003 What is an ITS letter? Holly what happened to the Small Claims Court case? Link to comment Share on other sites More sharing options...
Anonymous Posted May 31, 2003 Report Share Posted May 31, 2003 Go file a suit for 25 bones,send same letter (CMRRR)but attach the suit papers and tell them they are in violation and that you demand $500 made payable to you and that they have 15 days to delete the item and send you your $500 or be found quilty of a violation and be charged $1000 + attorney fees and any interest you may incur because of the higher rates you must have to pay because of their error.It eill make pee go down their leg Link to comment Share on other sites More sharing options...
momoney4me Posted June 1, 2003 Report Share Posted June 1, 2003 My DH disputed with EQ CMRRR, which was due on 5-19-03. We finally received updated report showing results of investigation - 2 deleted, 2 stayed (report dated 5-26-03), obviously past the 30 days. I sent them ITS letter. His dispute to TU was due on 5-19-03 & we rec'd updated report (dated 5-20-03), 1 deleted, 5 verified. I sent dispute to TU, which was due on 5-23-03, received partial results (4 out of 6 deleted) & never received results of other two. I sent letter to delete. Do these letters normally work or do you have to sue to get them off? Can we prove that they didn't investigate timely due to the date on the report they sent? Is this enough proof or can they say they completed prior to printing the report? Anyone had any experience in this. Also, what is involved in filing a claim in small claims court? Do they delete before the hearing date? Link to comment Share on other sites More sharing options...
momoney4me Posted June 2, 2003 Report Share Posted June 2, 2003 bump Link to comment Share on other sites More sharing options...
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