re-investigation time limit

[Nixer]

I am wondering if you get the no re-investigation letter or tagged frivolous, how long do they have before they have to investigate again. Pretty much I dont want to get tagged and I am wondering how long someone should wait?

thanks

[Trish]

If you get flagged as frivolous or get the "previously investigated" bs......you should wait at least 90 days before trying to dispute it again.

[grn910]

I disputed 2 judgments & 2 medical bills from CA w/ TU & EXP. I disputed them as wrong info, no knowledge. I got the bs letter from EXP saying theyre verified but it only lists 3 accts. I got a revised CR from TU w/ updated info on all accts but 1 of the judgments isnt on the real courts records. They are all from before 2002. My questions are:
1) do I have to wait 90days to send another kind of letter for these accts?
2) I sent the letter to the courts asking how they verify, but what letter, if anything do I send to the medical accts, DV, right?
3) I have 4 other medical bills on my CR, all from before 2002 & w/ CA. Can I send them a DV letter now? or wait til im done w/ the others first?

[Trish]

Originally Posted by grn910

I disputed 2 judgments & 2 medical bills from CA w/ TU & EXP. I disputed them as wrong info, no knowledge. I got the bs letter from EXP saying theyre verified but it only lists 3 accts. So you only got results on 3 accts instead of 4? Is the 4th one still on your CR? Has it been the full 30 days since they got your dispute?

I got a revised CR from TU w/ updated info on all accts but 1 of the judgments isnt on the real courts records. They are all from before 2002. My questions are:
1) do I have to wait 90days to send another kind of letter for these accts? No. Answer the above questions and I will be able to advise you on the EX one.
2) I sent the letter to the courts asking how they verify, but what letter, if anything do I send to the medical accts, DV, right? For medical accts, see the HIPAA thread (in the beginner's section). Send the medical dispute letter to the CRAs.
3) I have 4 other medical bills on my CR, all from before 2002 & w/ CA. Can I send them a DV letter now? or wait til im done w/ the others first?
If you have accounts from before 2002 they are past the reporting SOL (7 years) so you should dispute them as obsolete. They shouldn't even be on there.

See above in red.

[CreditCrisis]

im getting really frustrated...i spent $30 on certified mail to send my disputes and all info required and the CRA's are still saying that i didnt provide enough identifying info!!

i sent copies for boht my husband any my:

license
social
utility bill
phone bill
insurance policy

all which have our new address on them. can they actually do this?!

[jjgross]

Originally Posted by CreditCrisis

im getting really frustrated...i spent $30 on certified mail to send my disputes and all info required and the CRA's are still saying that i didn't provide enough identifying info!!

i sent copies for both my husband any my:

license
social
utility bill
phone bill
insurance policy

all which have our new address on them. can they actually do this?!

Your going to have to call and talk to a supervisor,i don't know what more you can send.Maybe a video tape of your birth,senior prom.What you sent is more then enough proof for anything else.

[Trish]

Yeah, you can try calling them. If you don't get any resolution there......you should file complaints. FTC, BBB, AG......whoever you can. Then send copies of those complaints along with a VERY strongly worded letter to their legal dept.

This is BS. You have given them everything they need. Is there a fraud alert on your CR? Even if.......I can't understand why they are making this SO difficult. Make sure and keep ALL of your paperwork together and keep good records. You will need it for this. I know you're frustrated but hang in there.
They are the ones that are wrong here. You should be able to get someone's attention in the legal dept.

In the meantime.......read up on the FCRA. You may just have a lawsuit on your hands.

[jjgross]

Originally Posted by Trish

Yeah, you can try calling them. If you don't get any resolution there......you should file complaints. FTC, BBB, AG......whoever you can. Then send copies of those complaints along with a VERY strongly worded letter to their legal dept.

This is BS. You have given them everything they need. Is there a fraud alert on your CR? Even if.......I can't understand why they are making this SO difficult. Make sure and keep ALL of your paperwork together and keep good records. You will need it for this. I know you're frustrated but hang in there.
They are the ones that are wrong here. You should be able to get someone's attention in the legal dept.

In the meantime.......read up on the FCRA. You may just have a lawsuit on your hands.

I know this is upsetting for you but it will go away just have faith in yourself and the help that your getting will help you turn things around my scores a little over a year ago were 497-509.There now 658-620-663.And Ive had set backs but then out of the blue id win a couple.:D

[CreditCrisis]

thanks a lot. i will do that. and no Trish, there isnt' a fraud alert on my report. and the only reason they are doing this is because i recently moved, but that was in january!! plus i had no problem receiving my report from Annualcreditreport.com....jerks!

i'll keep you guys posted on this.

[grn910]

I just typed for an hour & when I tried to submit my reply I wasnt logged in & I lost evrything. So, Ill mak this short.

The answer from EXP just had only 3 of the disputes listed. The other medical acct wasnt on there but is still on my CR. 4/17/09 was the 30 days.

TU's response was that all 4 of the acct had been updated. The 2 judgements had different amts but I cant find whats different about the the 2 medical acct.

There was 1 acct I also disputed as obsolete. It was a $66 Verizon bill from 1999 & it was an ex-boyfriends. TU removed it. EXP didnt. Nor said anything about it

I got a response back from the courts & it was a computer print out of my judgments(not the 1 on CR). Is this how they verify it w/ CRA's? Or can I just write the letter to the CRA & just say that dont verify acct over the phone?

Oh, & I have True credit. They have not sent me an alert or are they showing any changing on my CR. Do I have to update it?

Im sort of lost on what letter to send now. Thank you so much for your