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creditrepair777

Reason for a Dispute

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Hi all, 

Wondering if you have to write down the reason why you're disputing an item when you ask for removal. 

Just started repairing my credit. I've received 2/3 investigation results. Transunion, however, seems to be stalling. At first, they sent me an email saying that I had to show proof of residency for my new address, which I gladly submitted. Then, they sent me a letter stating that I had to provide a reason for each dispute. After that, they sent me another letter saying my dispute was ineligible (it was very clear) and I needed to state the reason why I was disputing the items. 

Do you have to provide a reason for each dispute? If I haven't provided a reason, are they still bound by the 30 day rule to handle my request? 

Any advice or info would be appreciated. 

Thanks!

 

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34 minutes ago, creditrepair777 said:

Do you have to provide a reason for each dispute?

Yes.  Disputing is about correcting inaccuracies in reporting or identifying accounts that may be from identity theft.  It isn't a magic bullet to credit repair.  Do consumers sometimes get lucky that a creditor doesn't respond and a trade line gets deleted?  Yes, however that doesn't mean it wasn't valid only that the creditor never followed up.  It could still be reinserted.

35 minutes ago, creditrepair777 said:

If I haven't provided a reason, are they still bound by the 30 day rule to handle my request? 

They have responded:  they told you they need the reason for the dispute.  Your not liking the response doesn't make it a non-response.  Give the reason(s) for your disputes and then they have 30 days to respond from that point.

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