Method of Verification

What if you send a letter to the credit bureau after a dispute, asking them how they come up with there decision, who they spoke with, when, etc, etc.  What if you give them a time limit to answer you and they dont then what would you do?  And if they dont give you anybody they spoke with or so on, then what?  Thank You, Vanessa

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Hi Vanessa,

The CRA has fifteen days to provide this information per FCRA Section 611 (a) (7) which states: “A consumer reporting agency shall provide to a consumer a description referred to in paragraph (6)(B)(iii) by not later than 15 days after receiving a request from the consumer for that description”.

Section (6)(B)(iii) of the FCRA states: “a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available”.

If (1) a consumer disputed an erroneous entry on his/her credit report, (2) it was repeatedly and incorrectly verified as accurate, and (3) that consumer well documented his/her case with certified mail return receipt letters, then it seems to me that the consumer would prevail in a court of law.

As always, I am not an attorney and this is not legal advice.  Please consult an attorney for legal advice.

Hope this helps.

Paul