Need help with MOV letter

[svalles]

I have disputed some items and received a letter from Transunion that they are Frivolous, and they have disputed this already and verfied the info, which they haven't. Can someone give me a good example letter to combat this please.

[Lian]

Suggested letter:

This is in response to your letter received ( ), holding my dispute dated ( ) as “frivolous or irrelevant” under FCRA 611(a)(3), and thus terminating your reinvestigation of my dispute.

The stated basis for holding my dispute “frivolous or irrelevant” is your assertion that it was previously investigated. However, I have not previously received any prior Notice of Results of Reinvestigation from you, so there is no basis for your assertion that a prior dispute of substantially the same information was concluded by you.

I therefore consider your refusal to conduct a reinvestigation of my dispute to be contrary to the reinvestigation requirement of FCRA 611(a)(1).

This letter constitutes a renewed dispute under FCRA 611(a)(1). Attached is a copy of my previous dispute, including all required information. The date of this letter is considered to constitute the date of the 30-day period set in section 611(a)(1) for your completion of the required reinvestigation.

Should you persist in your holding that this dispute was previously resolved, I additionally request under FCRA 611(a)(6)(B)(iii) that any response to this dispute include a full description of the procedure used to make this determination, including records showing your prior communication to me of the required Notice of Results of Reinvestigation under FCRA 611(a)(6).

Failure to conduct a reinvestigation of my dispute without documentation that it is duplicative of a prior dispute will be considered a violation of FCRA 611(a)(1).