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This particularly happens during the dispute of inquiries, which some credit bureaus tell you they cannot investigate. That is pure nonsense. Unfortunately, this also happens when they designate a dispute as "frivolous". You may get a letter like the following: Re: Your TransUnion Credit Report We recently recieved a dispute regarding your credit report from a third party that we believe operates as a credit repair organization. According to the Federal Trade Commission, credit reporting agencies are not required to process disputes submitted by third parties. In addition, our experience shows that many credit repair organizations dispute accurate information or submit irrelevant disputes. We have reasonably determined that the dispute submitted on your behalf is frivolous or irrelevant. For these reasons, we will not take action on the dispute. Under federal law, if you believe any item on your credit report is inaccurate or incomplete, and you notify us directly, we will reinvestigate the information at no cost to you. If this is the case, please submit your dispute directly to us and identify the item(s) you believe is inaccurate and describe specifically why you believe it is inaccurate. Please complete the enclosed Request for Investigation form and return it to us at the address below. Upon recieving your request, we will reinvestigate the item(s) and respond to you in writing within 30 days. Please note that we do not accept disputes from third parties unless accompanied by a notarized power of attorney that authorizes a licensed attorney or a family member to represent you, or if the power of attorney is unlimited and irrevocable. If you believe the credit repair organization misrepresented its services to you, and would like to be referred to the appropriate law enforcement agencies to file a complaint, let us know and we will provide a referral. If you have any additional questions or concerns, please contact TransUnion at the address shown below. When contacting our office, please provide your current file number *********. P.O. Box 4000
Chester, PA 19016-4000 If you have any additional questions or concerns, please contact TransUnion at the address shown below, or visit us on the web at www.transunion.com for general information. When contacting our office, please provide your current file number *********. P.O. Box 4000
Chester, PA 19016-4000 |
Here's a little methodology: 1: Do NOT respond to the form letter--it grants them an extension, which is what they want. 2: After the 30 days from date of receipt is over, call their offices, and ask the status of the dispute. They will probably tell you that they didn't investigate because they sent a request for more information. Hang up on the operator without another word. 3: Wait 5 days after the 30 days is expired(just in case they DID investigate). If they don't send you an updated credit report, advance to..... 4: Make copies of your certified mail receipt, a copy of the dispute letter you sent to TransUnion, and a copy of their "3rd party agency" letter. Draft a VARIATION of the following letter yours truly just wrote out a few minutes ago(don't verbatim it...they'll just figure it's a form letter if you do...jazz it up some) 5: Shoot the copies and this letter off to them certified mail, give them 16 days from the date they receive it, and pull a copy of your credit report. 6: If the tradelines aren't deleted, go file a suit against them for FCRA violations, and any state laws you can come up with...maybe include a little request for punitive damages for stress, embarassment, degraded social standing and credit obtaining ability, etc. 7: Wait for them to call and settle up with you. Grab a little little money (always nice) and get your tradelines deleted. That's all you need to do...it's a very simple procedure, really. Comments They should be telling you what specifically you need to provide in order to cause them to reinvestigate. If they stated certain pieces of information that you can submit that would convince them that the dispute is coming from YOU, then it would swing in their favor. If you sue the credit bureau for this, can remove it to federal court, which could be expensive. However, in general, most bureaus have a "cost of doing business" lawsuit fund for situations like this. They will usually settle out of court. TU phone numbers provided by someone who went after TU aggressively:
Harry Gambill (President) 1-312-258-1717 ex3200
Chris Laverty (Admin Asst to Harry) 1-312-258-1717 Ex 7711
David Wolf (Vice President of Customer Relation) 1-312-258-1717 ex 3266
Shaun Walker (Customer Relation) 1-312-258-1717
David Emerald ( I don抰 know his title , but he was the one who called me back after leaving voice mails. 312-466-6724
Jennifer Buckstein ( I don抰 know her title but, she was the one who call the collection companies and deleted it off of my report.) 610-546-4736
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