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Hey Guys

Just found this out. I have no idea how true it is or if there are violations here. I had mailed a letter to EX,EQ,TU

in regard to how a invegestion is done.I asked them for the name , adres, postion of the person and what was done to prove to them that i'm inded the person that is obligated to pay this debt.They all send back to me the same thing and it was a 5 page notice of adress and phone munbers of all the creditors that appeared on my report. and each letter stated we have provided the information that you have requested please contact the creditor directly . But all that it is is the creditor' name -adress and sometimes a phone number. So what i did was i called each c.a and told them that i had receied a letter from them listing each creditor's information , but that what i wanted was not there that i want specify information on how they were able to determine the debt is mine. I was told that they write a letter to them asking to verify the ss# and name and that is it. I quoted them the section about what they need to provide and they flat out told me they donot have to do that. so now what? I already have proof that this debt is not mine nor my husband's and i plan on taking all 3 cra to court and the creditor.

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If you want ammunition, see Cushman vs. Trans Union. This case goes into the responsiblities of the CRA for investigation once you dispute an item, and especially if you have disputed the same item more than once. It basically says that the CRA has to do more than simply verify name and social. I don't really know how to cite cases; here is what I have:

Jennifer Cushman vs Trans Union Corporation

On appeal from the United States District Court for the Eastern District of Pennsylvania

(D.C. No. 95-cv-01743

Argued April 17, 1997

Filed June 9, 1997

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I had a similar call with Experian yesterday. The verification procedure request letter I sent was the one off the Sexy Credit CD...gotta plug your CD Kristy :-). Anyway, what they said was that since I requested re-investigation again in the same letter, it is classified as such and goes back in to the 30 day response time vs. the 15 day response, and that they do not have to reply within the 30 days with anything other than the results of the investigation.

So far, I have found the verification procedure letter to cause the CRA's to point right back to what's on already on my report, and not get them to disclose their procedures.

I am thinking about either not including the request for reinvestigation and/or further emphasizing the request for procedures and my rights under FCRA to receive them.

Any other input is appreciated of course.


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It's absolutely your right and I would press them.

Unfortunately, though, it doesn't say the exact types of info required to be disclosed...

Section 611 (a) (7)

(7) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph (6)(B)(iii) by not later than 15 days after receiving a request from the consumer for that description.

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