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06-17-2003, 08:20 AM #1
- charlotte NC
AFter you dispute something with Experian, then how can you put it back into dispute later? Once you do it once on the website, then that is it for a while? Is it a year, 6 months, or until something changes on your report? I have also noticed that if something is updated on your credit report, then you can put it back into dispute.
I thought that the FCRA states that the consumer has the right to dispute a creditor anytime and the credit agency has to re-verify the item. I realize that they can claim frivolous, but don't they have to try at least a few times before they claim this?
06-17-2003, 06:21 PM #2
- The high desert
The FCRA clearly states that frivolous disputes don't have to be investigated, and that's a GOOD thing.
If somebody verified something incorrectly, just file suit and have them write you a check.
However, Experian categorically refuses investigations even if the dispute is different.
I recently had them refuse a dispute ** 11 ** months after the previous verification.
The best way to get them to reinvestigate is to supply documentation. Although just mailing certified might do the trick too, don't know because I always include documentation.