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Waiting Update...WTH?


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Well I disputed some old medical bills on my wifes TU CR and get the results(30 days are up) yesterday. Well when I got the results 2 of the medical bills are listed as "THE FOLLOWING ITEM IS SUPPRESSED PENDING CREDIT GRANTOR UPDATE:" WTH? I thought if they didn't respond within 30 days they would have to delete the TL. What should I do?

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Well I disputed some old medical bills on my wifes TU CR and get the results(30 days are up) yesterday. Well when I got the results 2 of the medical bills are listed as "THE FOLLOWING ITEM IS SUPPRESSED PENDING CREDIT GRANTOR UPDATE:" WTH? I thought if they didn't respond within 30 days they would have to delete the TL. What should I do?

Nothing in the FCRA about suppressing data. Pretty clear cut. I'd inform them that they have not complied with the FCRA and they must delete not suppress:

§ 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.

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