Paula Jeanette McGill Marietta Landlord / Tenant Lawyer
Posted over 13 years ago.
Have you read the FTC's guide on disputing credit reports?
The link is http://www.consumer.ftc.gov/articles/0151-disputing-errors-credit-reports
The FTC recommends the following after you dispute the debt with the credit reporting agencies:
Credit reporting companies must investigate the items in question — usually within 30 days — unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider receives notice of a dispute from the credit reporting company, it must investigate, review the relevant information, and report the results back to the credit reporting company. If the information provider finds the disputed information is inaccurate, it must notify all three nationwide credit reporting companies so they can correct the information in your file.
When the investigation is complete, the credit reporting company must give you the results in writing and a free copy of your report if the dispute results in a change. This free report does not count as your annual free report. If an item is changed or deleted, the credit reporting company cannot put the disputed information back in your file unless the information provider verifies that it is accurate and complete. The credit reporting company also must send you written notice that includes the name, address, and phone number of the information provider.
If you ask, the credit reporting company must send notices of any corrections to anyone who received your report in the past six months. You can have a corrected copy of your report sent to anyone who received a copy during the past two years for employment purposes.
If an investigation doesn’t resolve your dispute with the credit reporting company, you can ask that a statement of the dispute be included in your file and in future reports. You also can ask the credit reporting company to provide your statement to anyone who received a copy of your report in the recent past. You can expect to pay a fee for this service.
Step Two
Tell the creditor or other information provider, in writing, that you dispute an item. Be sure to include copies (NOT originals) of documents that support your position. Many providers specify an address for disputes. If the provider reports the item to a credit reporting company, it must include a notice of your dispute. And if you are correct — that is, if the information is found to be inaccurate — the information provider may not report it again.
If you've already gone through these steps, you may want to schedule an appointment for a consultation with an experienced consumer lawyer who handles these type cases. Of course, a consultation does not obligate you to hire the person as counsel for your case.
Asker
Posted over 13 years ago.
Yes, as I mentioned in the details section, I have a pending federal complaint pursuant to FCRA and FDCPA. Moved for injunctive relief however it isn't available under either. Any suggestions? Thanks again