Response To CRA For Not Including One of listed accounts in Results

[lukegotswag]

Experian finally sent Investigation results in reference to a dispute mailed in on June 3, 2013. They received on June 12, 2013 and so started the clock from this date. The Investigation results letter is dated July 23rd so since i did not have a report number referenced in initial dispute (used 3 in 1 site) I calculate where they would have 45 days though i repeatedly state 30 with them. Their results dated letter falls within the 45. I disputed 4 accounts of which 1 was deleted, and the only information in the dispute results along with that is that my RESIDENCE was also updated. Out of the 3 remaining accounts, 1 was deleted due to a failure to DV and they said they would request deletion with all 3 (the CA), 1 was VERIFIED (while it mentions this on the account on the updated report, it was not listed in my investigation results, and the final account (the one in question) wasnt updated and wasnt listed in investigation results or anything. So i have put together this response letter. Please provide your feedback:

 

 

July 29, 2013

 

name
Street
City, State Zip

NCAC

PO Box 9701

Allen, TX 75013

 

RE: Dispute Letter of June 3, 2013

To Whom It May Concern,

 

This letter is formal notice that you have failed to respond honoring the requested dispute of ALL the accounts I noted in my letter sent to you June 3, 2013. I sent this letter registered mail and have enclosed a copy of the return receipt which you signed on June 12, 2013.

As you are well aware, federal law requires you to respond within 30 days referencing ALL the accounts I disputed and your investigation results. Your letter stating the investigation was complete was dated 41 days after receipt of original letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Your failure to complete the requested investigation of this account now provides grounds for me to demand deletion in accordance with the FCRA. Obviously, I am maintaining detailed records of all my correspondence with you.

I am aware that you may have misplaced this account in the shuffle or have failed to respond to this specific account because of an oversight due to the high volume of the requests you receive daily. If this is the case, I'm sure you'll want to handle this matter as soon as possible. For this purpose, I have included a copy of my original request and the dated receipt of your reception of the original letter I sent with the account in question that you have mistakenly placed on my records. I have also included the updated copy of my report you sent which indicates nothing being done with this account.

The following information therefore needs to be sought out and deleted from the report as soon as possible:

FINANCIAL ASSET MANAGEMENT INC / Partial Account # xxxxxxxx

Please delete this erroneous item from my credit report as soon as possible.

 

Sincerely,

 

Name
ss#
street
City, State zip

[lukegotswag]

bump...

[TX-Bluebonnet]

Experian finally sent Investigation results in reference to a dispute mailed in on June 3, 2013. They received on June 12, 2013 and so started the clock from this date. The Investigation results letter is dated July 23rd so since i did not have a report number referenced in initial dispute (used 3 in 1 site) I calculate where they would have 45 days though i repeatedly state 30 with them. Their results dated letter falls within the 45. I disputed 4 accounts of which 1 was deleted, and the only information in the dispute results along with that is that my RESIDENCE was also updated. Out of the 3 remaining accounts, 1 was deleted due to a failure to DV and they said they would request deletion with all 3 (the CA), 1 was VERIFIED (while it mentions this on the account on the updated report, it was not listed in my investigation results, and the final account (the one in question) wasnt updated and wasnt listed in investigation results or anything. So i have put together this response letter. Please provide your feedback:

 

 

July 29, 2013

 

 

 

name

Street

City, State Zip

 

NCAC

PO Box 9701

Allen, TX 75013

 

RE: Dispute Letter of June 3, 2013

 

 

To Whom It May Concern,

 

This letter is formal notice that you have failed to respond honoring the requested dispute of ALL the accounts I noted in my letter sent to you June 3, 2013. I sent this letter registered mail and have enclosed a copy of the return receipt which you signed on June 12, 2013.

 

As you are well aware, federal law requires you to respond within 30 days referencing ALL the accounts I disputed and your investigation results. Your letter stating the investigation was complete was dated 41 days after receipt of original letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in is a serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Your failure to complete the requested investigation of this account now provides grounds for me to demand deletion in accordance with the FCRA. Obviously, I am maintaining detailed records of all my correspondence with you.

 

I am aware that you may have misplaced this account in the shuffle or have failed to respond to this specific account because of an oversight due to the high volume of the requests you receive daily. If this is the case, I'm sure you'll want to handle this matter as soon as possible. For this purpose, I have included a copy of my original request and the dated receipt of your reception of the original letter I sent with the account in question that you have mistakenly placed on my records. I have also included the updated copy of my report you sent which indicates nothing being done with this account.

 

Since you have failed to respond to my dispute regarding the following trade line in a timely manner, I am demanding that The following information therefore needs to it be sought out and deleted from the report as soon as possible immediately:

 

FINANCIAL ASSET MANAGEMENT INC / Partial Account # xxxxxxxx

 

Please delete this erroneous item from my credit report as soon as possible.

 

 

 

Sincerely,

 

 

 

Name

ss#

street

City, State zip

 

Just some suggested changes to shorten and sound a bit firmer in resolve. No need to be nice to them.