I guess EX is trying to get out of processing my disputes!!

Question

A couple of weeks ago I sent off dispute letters to all three reporting agencies for errors on my reports. Today I received a letter from EX stating that they had received a suspicious request to my credit file. They also stated they would not process anymore disputes to my file. I am extremely upset as you can well imagine. I plan to call tomorrow. Does anyone have  advice on what I should say. Once I speak to someone and provide proof other than the info I sent are they still obligated to finish my disputes in the time frame the law provides from the original date of receipt of said dispute?

Answer 1

FCRA 611(a)(1) mandates that a credit reporting agency "shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate....."Section 611(a)5), however, permitss a CRA to dismiss a dispute without reinvestigation if they determine the dispute is "frivolous or irrlevant."They must send notice of each and every such determination to the consumer within the alloted reinvestigation period. FCRA 611 does not provide specific basis for refusal to conduct a reinvestigatio other than a holding that the dispute is frivolous or irrelevant, so the CRA is basing their refusal on a reason that is outside of the stautory definitions of reasons not to conduct a reinvestigation. In your situation, they are not holding your disputes to be frivolous or ireelevant, such as for lacking adequate assertion of a specific inaccuracy, or being substantially the same as a prior dispute.  They are contesting the authenticity of you as the actual consumer.Theri specific statutory basis is not provided for their refusal.  I would assume that ANY refusal must be addressed and supported on a case by case basis, and that they must notify you for each dispute, the same as they are required to provide notice with reasons when they hold a dispute to be frivolous or irrelevant. This would clearly be fodder for a ruling by the CFPB as to their responsibility to conduct or deny a reasonable reiinvestigation of each dispute, and provide notification of any reaons why they decliine each and every required reinvestigation.