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bakes1313

EQ never started dispute they received on 9/19, now what?

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Ok, here is a little background. Sept. 19th, EQ received a dispute via CMRRR. I called them today to see what the results of the dispute were since it is well past the 30 days, and the lady told me that they never started a dispute for me in September. The last one they have is from July. Then, she offered to do a quick dispute, get the results back in 7-14 days for me. I politely declined stating that I would need to check with my mortgage broker, but I would call back as soon as I spoke with them. So, do I send the modified ITS or what? I'm a little lost since they never even started the thing.

 

Maybe I have a chance of these people not responding within 7-14 days, but EQ can always send me a notice asking for 15 more days and they basically get off the hook then.

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I'm not sure they CAN get off the hook, or even offer you the 7-14 day deal...since they didn't respond in 30 days at all...they should delete or update it the way you requested

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since they didn't respond in 30 days at all...they should delete or update it the way you requested

 

Agreed.

 

I would send a letter that says:

 

"It has been 35 days since you received my dispute (see attached signature card for receival of letter), and I have not received any notification of results.

 

In the next 5 business days you shall delete the following:

 

Account #12345

 

If that is not completed by XX/XX/03 I will be forced to pursue this matter in a legal manner.

 

Sincerely,

You"

 

I would fax and also send a certified copy of this letter to them first thing tomorrow.

 

Good luck,

Jessica

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