doing a procedural request and a dispute at the same time

[ggluvbug]

i have yet another question. i did a search and didn't really find the question i have so here it goes:

i just got back dispute results and a couple of things were verified. so i guess i need to do a prcedural request on them. one is cap1...some of you have read in another post of mine. the other is an old sears bankruptcy listing (trying to get all mention of bk removed so i can dipute the bk). i want to initiate the next round of my disputes since there is a little chod left. so, should i hold on the pr or do the pr and hold on the dispute, or should i do both at the same time? if i do both, should i do it on 1 letter or 2? i sent 2 letters to tu and they postponed by 15 days for "new info" so i am a bit worried about trying 2 letters.

any help on this is greatly appreciated.

[miracle]

I would work on one thing at a time. If you are planning on doing a PR, go ahead and send it but not with a new dispute. If you send them both in individually, you will get the letter that says they recieved more info and it will extend their investigation time by 15 days. If it were me I would send the PR and wait for those 15 days to be up, see what they say (or do not say) and go from there. If they send you the info (which is not likely) then you can send your next dispute at that point. If they don't respond send out another PR request... keep going through the process and all that good stuff. Good luck!

[hendu]

Is there a sample letter for a procedural request to a CRA?

[admin]

It's actually called method of verification (per the FCRA).

Your Name

Address1

City, State Zip

Credit Bureaus

Address1

City, State Zip

Date

To Whom It May Concern:

This letter is a formal request for the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation, in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection (iii)

§ 611. Procedure in case of disputed accuracy [15 U.S.C. § 1681i]

(6)

( 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;

I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing the requested information within the 15 days allowed.

As a matter of convenience to you and to expedite my request, I am resubmitting my request to correct my credit report.

Name of Creditor/Agency, Account #_________

<List your reasons for disputing this negative mark here, inaccurate account information, dates wrong, etc.>

As already stated, the listed item is inaccurate and incomplete, and is a very serious error in reporting.

Sincerely,

Signature

Your Name

Your SSN

[hendu]

Thanks Admin!