Is this a stall letter??

[eknight@003]

I recently sent a method of verification request to Equifax in reference to a dispute over 6 unauthorized credit inquiries. I asked them for specific info such as who did you speak with and what documentation did they provide you with that verified that the inquiries were authorized. See attached(this is what they sent me in response) Are they stalling? If so should i ignore it and wait out the 15 days or should i respond?

thanks!

[Lian]

When you dispute through a CRA, the CRA has the ultimate call on the results. It is what the statute calls their "reinvestigation" of the dispute. They consider all information, and make their determination.

In response to your method of verification request. they told you that they referred it to the inquiree. That appears to be the only step in their verification, so if that was all they did, then they have provided you "the name and address of any furnisher of information contacted," which is the required information under the MOV provisions of section 611(a)(6)(B)(iii). They are not required to go to the level of detail requested, such as the name of every party consulted.

When a party requests your CR, they submit a statement of permissible purpose to the CRA. FCRA 604(f)(2). If the CRA has such certification in their files, I see no reason why they could not, under their reinvestigation rights under section 611(a)(1), verify the accuracy of honored credit inquiry, and provide their own verification.

I don't think this is an issue worth pursuing, as it is most likely already close to a year since the inquiry, at which point it will cease any inclusion in your FICO scoring.