CRA no response

neil5623 · 09-08-2007, 02:26 PM

Here's a situation that we all have seen on occasion. You send a dispute to the CRA, and after 30 days or more, there is no response. For me, CSC/EQ is the worst. It is possible that they "forget" to investigate because recently I sent them a reminder that they have to delete, but about 3 weeks later I received the result of the investigation. It is about to happen again (today is 30 days) so for those of you that have seen this, how do you handle it, and what are the results?

Another issue: EX says "we already investigated this, we are not doing it again." I am sending a letter saying "yes you will per statute XXX." Is there a better way to handle this?

Pale Rider · 09-08-2007, 02:31 PM

The last time I disputed with CSC, I called them on day 31 and told them to go ahead and delete. 4 accounts were gone within a few hours.

If they already investigated, they don't have to again unless you provide new info. If the account is reported incorrectly, the next step is to go after the data furnisher.

jlynn · 09-08-2007, 06:43 PM

As an alternative, I have sent Procedures Request delineating what is wrong with the account at the same time. Rather than answer a PR, sometimes they will go ahead and reinvestigate.

I'm with PR on the Day 31 thing. With CSC, bully your way to a supervisor, and you can usually get the deletion. If you ask nicely they will start a new investigation instead. However, before you do anything, any court is going to allow them 5 days mailing time (day 35), so don't get too rushed.

neil5623 · 09-10-2007, 08:58 AM

Quote:

Originally Posted by Pale Rider

The last time I disputed with CSC, I called them on day 31 and told them to go ahead and delete. 4 accounts were gone within a few hours.

Did they acknowledge receiving your dispute? Did they resist the request to delete?

Jlynn, how does your Procedures Request differ from what the FCRA states that I am entitled to? The reports state the same, I am entitled to the name and address of the information furnisher.

jlynn · 09-10-2007, 12:12 PM

It only differs in that I request Procedures, and then continue on to explain that I want them because on xx date I disputed xx, and it could not be possible that it was verified because xxx .
Basically, I restate my dispute.

Pale Rider · 09-10-2007, 07:14 PM

Quote:

Originally Posted by neil5623

Did they acknowledge receiving your dispute? Did they resist the request to delete?

On that dispute, they looked up the info in their computer system and saw that I had disputed but nothing had been completed/investigated. The CSR put me on hold, came back and stated she spoke to her supervisor and that 3 items would be deleted. I reminded her that I disputed 4 items, and she stated 4 items would be deleted. A couple hours later I pulled a 3 in 1 and all of them had dropped off.

neil5623 · 09-17-2007, 01:31 PM

Sounds fishy, but what can I do. Just spoke to someone at CSC who said their results were mailed on Sep. 8 Here it is Sep 17. Does the 5-day rule apply to Monday thru Friday only? The rep said to give it until Thursday.

jlynn · 09-17-2007, 02:30 PM

The 5 day rule is not a rule, but rather an assumptive thing. The report you will receive will have the date the report was generated on it.

neil5623 · 09-18-2007, 12:07 AM

My report arrived today, postmarked Sept. 13. Still waiting on DW's. No print date on the report.

neil5623 · 09-24-2007, 05:50 PM

Called CSC today about DW's report. They received it on 8/10. I asked the rep what the status of the investigation was, she put me on hold, came back and said that the investigation was completed 9/10. Imagine that. I asked if the report had been sent out yet, she said no, but she can have a copy mailed if I like. She didn't know why it had not been sent yet.

Any recourse to get the alleged investigated items deleted?

neil5623 · 09-25-2007, 05:03 PM

hannah · 09-25-2007, 05:44 PM

Write another dispute letter sent CMRRR outlining what you want to have happen. Give them 45 days and if it is not resolved, file suit if you believe you can win although I, personally, do not believe you can.

Neil, aren't the majority of your items reporting negatively and still in stat?

neil5623 · 09-25-2007, 11:40 PM

True, I probably could not win, as they are in a position to fabricate information all day. Some TLs are in, some are out SOL. Anyhooo...

This just arrived today.There is a TL on one of her reports for some magazine or book or something that we know nothing about. From what I remember, magazine subscriptions do not ask for your SSN. They list as a Factoring Company Account, and I disputed that entry. This company sends me/her a letter saying how they responded to the CRA. Their response in this letter shows only OC name, account number, and amount (less than $100). My first thought is to DV them. Other ideas?

hannah · 09-26-2007, 12:12 AM

Quote:

Originally Posted by neil5623

True, I probably could not win, as they are in a position to fabricate information all day. Some TLs are in, some are out SOL. Anyhooo...

This just arrived today.There is a TL on one of her reports for some magazine or book or something that we know nothing about. From what I remember, magazine subscriptions do not ask for your SSN. They list as a Factoring Company Account, and I disputed that entry. This company sends me/her a letter saying how they responded to the CRA. Their response in this letter shows only OC name, account number, and amount (less than $100). My first thought is to DV them. Other ideas?

For magazine or other subscriptions, here in WV you can cancel at any time. If you can do the same in TX, this may help. Check your laws.

neil5623 · 09-26-2007, 10:55 AM

Cancelling is not an issue. Nothing was ever ordered. But yes, the laws are similar. Think I will DV them anyway.

hannah · 09-26-2007, 11:02 AM

Quote:

Originally Posted by neil5623

Cancelling is not an issue. Nothing was ever ordered. But yes, the laws are similar. Think I will DV them anyway.

If nothing was ever ordered then you need to call the TX AG as you are surely not the only one being scammed. File a complaint ASAP.

neil5623 · 09-27-2007, 01:17 PM

K, my mistake, looked in the wrong file. This WAS something ordered in 2000 or 2001, but never received. Disputed with the vendor to no avail. This TL with the collector is showing account opened in 2005, due to fall off 2012 (hmmm - maybe December 21?). I do not have any record of communication with the CA, so I will consider this to be first comms and DV them, especially requesting first delinquency date and removal from CR.

hannah · 09-27-2007, 01:39 PM

Quote:

Originally Posted by neil5623

K, my mistake, looked in the wrong file. This WAS something ordered in 2000 or 2001, but never received. Disputed with the vendor to no avail. This TL with the collector is showing account opened in 2005, due to fall off 2012 (hmmm - maybe December 21?). I do not have any record of communication with the CA, so I will consider this to be first comms and DV them, especially requesting first delinquency date and removal from CR.

And do file a complaint with the AG's office. Just the kind of consumer issue they enjoy.

ilovemydogs · 09-27-2007, 02:19 PM

Quote:

Originally Posted by Pale Rider

On that dispute, they looked up the info in their computer system and saw that I had disputed but nothing had been completed/investigated. The CSR put me on hold, came back and stated she spoke to her supervisor and that 3 items would be deleted. I reminded her that I disputed 4 items, and she stated 4 items would be deleted. A couple hours later I pulled a 3 in 1 and all of them had dropped off.

This was EQ or EX? Never came back on ?
Good going.
NOw a question about this. I dispute, it comes back reviewed and TL is still on. I write a letter disputing again and saying how can you have reviewed this and kept it on when I have requested validaton for the last year and none have been received? They say that the dispute came back verified . I remember someone saying that you can ask HOW the dispute was handled.
I just did and the person at EX said that it depends on how the person that put the TL on handles their dispute be it phone, electronically. I said I want to know HOW this one was done and she said she didn't know. So now what ?
Thanks much
J23