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Question about TU


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I disputed 16 items on my cr on March 2nd, i sent them a letter on the 14th of april telling them that I have not heard from them and that they needed to remove the items from the cr,and I sent it CMRRR. I got the CMRRR back yesterday and it shows that it was signed for"Your item was delivered at 10:39 am on April 19, 2005 in CHESTER, PA 19016" . I also got a letter stating all the rules and regs for the length of time that everything stays on the cr and a file # I'm not sure what to do and on may 2nd it will be 2 months. Can anyone tell what rules they are breaking and what the sections are?

This is the letter that I recieved from them shorten.

thank you for contacting transunion. our goal is to maintain complete and accurate information on your credit report. we have provided the information below in response to your request.

re: policy for information retention

the fair credit reporting act allows:

--civil judgments, whether paid or unpaid, to be reported for seven years from the date the judgment was entered, depending on your state residence.

--tax liens to be reported for seven years from the date paid or released.

etc, etc......

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

(a) Reinvestigations of disputed information.

(1) Reinvestigation required.

(A) In general. If the completeness or accuracy of any item of information contained in a consumer's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph (5), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.

(B) Extension of period to reinvestigate. Except as provided in subparagraph ©, the 30-day period described in subparagraph (A) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.

© Limitations on extension of period to reinvestigate. Subparagraph (B) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph (A), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information cannot be verified.

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