Fn_Rog Posted October 16, 2003 Report Share Posted October 16, 2003 Just got off the phone with TU. How would you handle a situation where a rep "may have overlooked" an item I disputed with TU? After reading the FCRA, I don't see a section that allows them to dig up the dispute in the mail room and respond back with: "the item was never investigated". They don't get any "do-overs" unless new information from the consumer is given regarding the investigation, correct? Anything I should do before faxing demand for deletion, ITS letter? thanks. Link to comment Share on other sites More sharing options...
timbercreektech Posted October 16, 2003 Report Share Posted October 16, 2003 It depends on how you originally disputed. If you did it by CMRRR then you have a provable audit trail. If it was originally done over the phone, I don't see much recourse. If you did it online, did you make print outs of the dispute? The other route is faxing. Did you get a printout that it was faxed. Sueing does not earn you a dime if you do not have the means to show the judge that this truely occured.That is why I do everything via CMRRR! Link to comment Share on other sites More sharing options...
Swede Posted October 16, 2003 Report Share Posted October 16, 2003 That is why I do everything via CMRRR!Thank you Timber.......I keep saying it to people that say online/phone/fax disputes are just as good.... Link to comment Share on other sites More sharing options...
Fn_Rog Posted October 16, 2003 Author Report Share Posted October 16, 2003 Yes, the original dispute was done CMRRR. Out of curiosity, I will call in 3 or 4 days to see what their response is, after they've had a chance to look for it in their "mail room".. I'll be SURPRISED if the next person I talk to over there says they'll simply delete it. So, my ITS will be ready to go. Link to comment Share on other sites More sharing options...
Fn_Rog Posted October 19, 2003 Author Report Share Posted October 19, 2003 UPDATE:Today I received another report from TU dated 10/11/03 with the TL in question verified, and changed to IIB. I am now in the process of determining when (if) the OC was contacted, seeing as the CMRR green card for the original dispute was signed for on 9/5/03, and I mailed a letter requesting deletion for violating the FCRA on 10/4/03 (Friday, knowing they wouldn't receive it until Mon. 10/6). Hopefully I'll have them for 2 violations, before I demand deletion again, and/or file complaint with the FTC. Link to comment Share on other sites More sharing options...
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