Capepuffin Posted May 13, 2003 Report Share Posted May 13, 2003 Is 'frivolous' a stall tactic? I have been searching for posts on this board but I can't find any, as usual.Whats the best way to deal with a frivolous letter? This is my first one and need to know how to deal with it. I've read posts in the past but of course now I can't find them. Link to comment Share on other sites More sharing options...
morrow Posted May 13, 2003 Report Share Posted May 13, 2003 I always put mine aside and wait out the 30 days. Ive gotten a couple also.You know, TU is so cheap they combine thier letters...I got one letter that says:Thank you for submitting your dispute...blah, blah, blah.....and then another page with it that says my investigation is frivolous How cheap is that? Link to comment Share on other sites More sharing options...
Capepuffin Posted May 13, 2003 Author Report Share Posted May 13, 2003 So do you just re-dispute after the 30 days? Won't you get another frivolous letter?I waited more than 30 days and this was my second round. I disputed a diff. tradeline the 2nd time also. I actually have 2 accounts listed from this OC on my report. 1 bad and 1 good. Of course I want the bad deleted! Link to comment Share on other sites More sharing options...
md Posted May 13, 2003 Report Share Posted May 13, 2003 If you waited the 30 days and they did not complete the investigation within that time then you should demand immediate deletion.On the other hand, if it can easily be classified as "frivilous" then you may have to try a different tactic as they are well within their rights to deny an investigation into a frivilous claim.I would just demand that they delete per the FCRA, section... Perhaps you could do a procedural request to determine how they determined that your request was in fact frivilous. Read the FCRA and see if there is anything more pertaining to this as far as your rights are concerned. Link to comment Share on other sites More sharing options...
Capepuffin Posted May 14, 2003 Author Report Share Posted May 14, 2003 <blockquote>Originally posted by mdIf you waited the 30 days and they did not complete the investigation within that time then you should demand immediate deletion.On the other hand, if it can easily be classified as "frivilous" then you may have to try a different tactic as they are well within their rights to deny an investigation into a frivilous claim.I would just demand that they delete per the FCRA, section... Perhaps you could do a procedural request to determine how they determined that your request was in fact frivilous. Read the FCRA and see if there is anything more pertaining to this as far as your rights are concerned.</blockquote>How can it easily be classified as frivolous?I disputed 1st as not mine, it came back verified. I then waited and re-disputed never been late. Thats when I got the frivolous letter. So 2nd time they never even investigated. Link to comment Share on other sites More sharing options...
morrow Posted May 14, 2003 Report Share Posted May 14, 2003 Just wait. In my opinion this is a stall tactic. The CRAs have to investigate anything you dispute and sending you this letter doesnt classify as *investigation results* in my book.Thats the way I see it. Anyhow, after I got these letters I still called TU and asked for the status of my investigation and they informed me it was still pending.If I'm wrong, someone please let me know. Link to comment Share on other sites More sharing options...
md Posted May 14, 2003 Report Share Posted May 14, 2003 What I was referring to is if it could obviously be classified as frivilous. I don't see what they see and don't know what they say that it is in fact frivilous. Yes, it could very well be a stall tactic. I would definitely raise hell after 30 days. However, if they can easily determine through whatever means that it is frivilous then they don't have to investigate...that is what I was referring to. Again, I don't know why they said yours was frivilous. Link to comment Share on other sites More sharing options...
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