What happens when they get my letter?

[morrow]

When a CRA fails to respond in 30 days and you send them a letter saying so, what happens when they get your letter, and they have just mailed you the results?

When they get your letter, will they actually take the time to look up your file, go back and delete the items they just sent you results for? Or will they open your file and say, "Oh well this investigation was completed and we already sent them the results"

Dumb question I know but, Im a pain!

[Digilux]

I'm not sure how to answer your question...but I'm wondering..is it 30 business days or just 30 days for a reply.

[Saptrus]

I had this happen recently -- with Experian, I believe. My 30-day reminder was apparently received a day after they mailed me their responses. So they sent a snooty "these have already been confirmed" note.

[paw67]

<blockquote>Originally posted by Digilux

I'm not sure how to answer your question...but I'm wondering..is it 30 business days or just 30 days for a reply.

</blockquote>

30 days is just that...30 days. The time starts from when the actually receive it. That is why it is so important to send it via CMRRR so that you have the green card with signature(stamp) and date received.

Morrow,

DH & I are running into the same thing with EQ. They didn't complete within 30 days so we sent letter. There response crossed in the mail with our letter to them. They had deleted 6 items, verified 2, updated 2 and the other 4 still have not been investigated. I am wondering what to do next also. I want them all deleted since they didn't do it within the time they are allowed. I didn't know if the next step was ITS letter. We don't really want to sue but we want them to have to follow the rules just like we have to.

Anyone that has run into the same issue, please respond with what your next step was after the initial letter stating they didn't complete within 30 days. Thanks!

paw67

[md]

When you say they didn't complete within 30 days, how are you verifying that? Checking online or calling them? Just curious.

[paw67]

<blockquote>Originally posted by md

When you say they didn't complete within 30 days, how are you verifying that? Checking online or calling them? Just curious.

</blockquote>

I am checking online. I checked 1st through Privacyguard and then checked directly through EQ to make sure. I checked both on day 31. On DH's report they are still showing 2 of the items in dispute yet they state that they have verified 2 additional ones with the same company. That seems kind of fishy to me.

paw67

[morrow]

<blockquote>Originally posted by md

When you say they didn't complete within 30 days, how are you verifying that? Checking online or calling them? Just curious.

</blockquote>

When I get my green card and it says what day they signed for my letter, I count down 30 days.

[hollypc]

Send an ITS letter to them. I did to Experian. They ignored me. We go to court May 29th, unless the settle.

[cookiemnster]

BTW, you guys do remember that in addition to their 30 days they have 5 days within which to get the results in the mail to you, right?

[md]

<blockquote>Originally posted by cookiemnster

BTW, you guys do remember that in addition to their 30 days they have 5 days within which to get the results in the mail to you, right?

</blockquote>

That is actually why I asked my question. If you were checking online or over the phone and they had not completed within 30 days then you have a case. If you wait for a letter in the mail then you really have to wait 30 days plus five business days I believe.

[sisflomi]

Somebody posted else where about this. They said 30 days is 30 days. The laws don't say 30 business days, nor does it say "allow 5 days for mailing" If everyone insists that they be done and back in your hands by the 30th day, they won't have much choice but to delete after the 30 days are up.

[md]

<blockquote>Originally posted by sisflomi

Somebody posted else where about this. They said 30 days is 30 days. The laws don't say 30 business days, nor does it say "allow 5 days for mailing" If everyone insists that they be done and back in your hands by the 30th day, they won't have much choice but to delete after the 30 days are up.

</blockquote>

You are right, the 30 days includes weekends, holidays, etc. However, I do believe they have five business days to inform you of the outcome of the investigation. I believe I remember seeing that part of the law posted.

[md]

They do have 5 business days to notify you of the results, which can easily equate to 7 days, thus 37 days total. The date of any notification must, however, occur within the 30 days timeframe I would presume.

(6) Notice of results of reinvestigation.

(A) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

( Contents. As part of, or in addition to, the notice under subparagraph (A), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph (A)

(i) a statement that the reinvestigation is completed;

(ii) a consumer report that is based upon the consumer's file as that file is revised as a result of the reinvestigation;

(iii) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available;

(iv) a notice that the consumer has the right to add a statement to the consumer's file disputing the accuracy or completeness of the information; and

(v) a notice that the consumer has the right to request under subsection (d) that the consumer reporting agency furnish notifications under that subsection.