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Sending Equifax a Nasty Letter


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On Sept 13, 2007 I sent Equifax a Certified letter disputing some items on my credit report. I waited about four weeks and sent them another certified letter on Oct 17, 2007 stating that they have failed to respond to my original dispute and they are in violation of FCRA. I also sent with both letter copies of my license and SS#. Around the 10th of November they sent me a letter that was dated for Oct 23, 2007. The letter said they needed more info on me because of identity theft so they needed proof of who I was. I called them and of course none of the reps where helpful and basically told me that I have to wait for them to stop the investigation.

I want to send them a more threating letter basically telling them that I will sue them if they do not resolve this in the next 15 days. So what I am asking you guys is for info to write the letter. What part of FCRA are they violating and any other helpful info. thanks

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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. Subject to subsection (f), 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, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate 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 or reseller.

(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.


(6) Notice of results of reinvestigation.

(A) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

(B) 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;

(iv) a notice that the consumer has the right to add a statement to the consumer's file disputing the accuracy or completeness of the information; and

(v) a notice that the consumer has the right to request under subsection (d) that the consumer reporting agency furnish notifications under that subsection.

(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.


This is from the FCRA section at the top of the page in blue.

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if the letter they sent is dated in October and you got in November...why are you just now thinking of replying? I'm a bit confused.

The reason that I waited is because I really was not sure what the next step was. I looked through the forum and did not find anything helpful nor did I know what to look for. I do know by law that they are supposed to investigate Yet they just seemed to ignore my first letter to investigate.

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