mzjazzyazz Posted September 23, 2003 Report Share Posted September 23, 2003 I DISPUTED A COUPLE OF THINGS ON ME AND BF'S CR. TU SAID THEY BELIEVE OUR DISPUTES WERE FROM A THIRD PARTY, AND LABELED THEM FRIVOULOUS, HOWEVER ENCLOSED A FORM FOR ME TO FILL OUT TO RE-DISPUTE THE ACCOUTS. EX RESPONDED BY WANTING TWO PROOFS OF RESIDENCY.AND I HAVE NOT HEARD ANYTHING FROM EQ. IS THIS JUST ANOTHER WAY FOR THEM TO BUY TIME OR WHAT? Link to comment Share on other sites More sharing options...
morrow Posted September 23, 2003 Report Share Posted September 23, 2003 Yes, its a stall tactic Wait the 30 days and if nothing is done, send them a follow-up letter stating they failed to complete investigation within the 30 days! (dont forget to give another 5 days for the snail mail) Link to comment Share on other sites More sharing options...
mzjazzyazz Posted September 23, 2003 Author Report Share Posted September 23, 2003 THEY DIDNT SAY I HAD TO WAIT 30 DAYS THOUGH. SO DO I OR SHOULD I FILL OUT THE FORM AND ATTACH THE ORIGINAL LETTER I SENT THEM ALONG WITH COPIES OF UTILITY BILLS, ETC? Link to comment Share on other sites More sharing options...
Xanathos Posted September 23, 2003 Report Share Posted September 23, 2003 Caps lock makes the baby Jesus cry.But back on topic, don't send them anything...they have all the information they need if you sent them name, address, ss# and birth date. Link to comment Share on other sites More sharing options...
morrow Posted September 23, 2003 Report Share Posted September 23, 2003 Are you talking about TU or EX? Because TU is NOTORIOUS for sending *frivoulous* letters. Dont fill out ANYTHING and send it back to TU, because otherwise they will extend the investigation 15 more days Link to comment Share on other sites More sharing options...
mzjazzyazz Posted September 23, 2003 Author Report Share Posted September 23, 2003 tu said they will not take action on the dispute because they believe it was from a third party or cra and they are not required to process disputes submitted by third parties. I submitted the letter myself to them.ex said that as a part of their fraud prevention program they evaluated my address (which recently changed and they want verification of the new address). they also said if i wish to request information to be investigated i need to list the accounts and account numbers, and tell them why i believe the info is inaccurate.they (ex) also said they want me to list previous addresses for the past 5 years. now why would i wanna list the addresses i want to dispute. (i havent disputed them yet but im going to) Link to comment Share on other sites More sharing options...
jonny Posted September 24, 2003 Report Share Posted September 24, 2003 I'm just curious about what kind of letter you sent. Was it a letter that you copied from here or a letter that you wrote in your own words? The reason I'm asking is since 2 of the 3 CRA's "red flagged" your letters, it may be due to the format of your letters matching those of "3rd party" letters. Not that I know what that format is but I am curious to find out.May be you could post your letters here so we know what letters NOT to send. HAHA Link to comment Share on other sites More sharing options...
mzjazzyazz Posted September 24, 2003 Author Report Share Posted September 24, 2003 What I'm sure happened was that I was sounding so professional and articulate, they were sure it had to be written by a third party. But anyhow, the format was DateName AddressPhoneSSNTo Whom It May Concern:After reviewing my credit reports, I have found the following discrepancies. I am requesting that you contact these creditors and investigate these reports.Crappy Creditor, account XXXXXXXXThis account does not belong to me. Please remove this account.Another Crappy Creditor, account XXXXXXXThis account has never been paid late. Please correct this information.Third Crappy Creditor, account XXXXXXXXThis account has been paid. Please correct this information. After you have completed your investigation, please contact me with the correct information. Thank you, Your signatureYour name Link to comment Share on other sites More sharing options...
Recommended Posts