Is this a Fair Credit Reporting Act violation?

Asked about 2 years ago - Thousand Oaks, CA

TransUnion says they investigated a tradeline for me. However on the Date Verified, it shows from 2011 and hasn't changed. However they claimed to have investigated it 6 times in the last 6 months. Is this a violation? if the Date Verified never changes?

Attorney answers (3)

  1. Amy Lavonne Wells

    Contributor Level 14

    2

    Lawyers agree

    Answered . There are several excellent advocates in your state. I would suggest you gather your dispute letters to Trans Union, along with each of their responses and consult with one of them. Go to www.naca.net for a list of seasoned professionals in your area. Most advocates will provide an initial consultation without cost or obligation.

    In short, if Trans Union has continued to report false and derogatory information after a valid dispute by you, you may be entitled to damages under the FCRA. Good luck to you!

    NOTE: This Answer does not constitute legal advice. Every case is fact specific. To render a legal opinion, an... more
  2. Robert Edward Tardif Jr.

    Contributor Level 13

    2

    Lawyers agree

    Answered . Sounds odd. Generally credit reports should reflect accurate information. Whether this rises to the level of a violation would be based upon reviewing your specific situation. The previous author gave you a great link and I would urge you to look into that.

    By responding to your question I do not intend to create, nor does it create an ongoing duty to respond to... more
  3. Peter Walter Weston

    Pro

    Contributor Level 17

    2

    Lawyers agree

    Answered . If the report was verified at a date, and if that date is accurate, and there is no incorrect information reported, the report appears accurate, although possibly incomplete, in my opinion.

    Reporting and complaints about reporting under the fair credit reporting laws, are geared more to removing inaccurate or untimely information, rather than loading up all available details and information.

    You can attempt to add additional information, by objecting to the report as stated, and adding your own written explanation or statement, generally limited to 100 words or so.

    General legal advice is offered for educational purposes only. A consultation with a qualified attorney is... more

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