I'm stumped. I'm not so sure what is the answer. I'll do some poking around and get back to you if I bump into an decent answer. You should email the people at Lending Tree as they probably could give you an answer..

Most verification are done electronically. I had a creditor send me the electronic form they submit to the bureaus. So yes, sometimes they do verify but other times we know they just do whatever they like...

90% of the time, they are NOT reinvestigating properly as determined by law, caselaw, and several federal opinions. But it is up to the consumer to catch them in their laziness and turn talk into action...

Marc - how do you turn talk into action?.

I want this friggin thing off - esp since I have a friggin letter here from the friggin fleet bank that friggin says I have never been friggin late.

Ok I'm going to lunch now.

:)..

Lol.

In practice, just follow the advice on the other thread, and re-fax it..

In theory(for most people on the board), you give them 3 days to delete and then sue them for as much money as you can get. As there's no way, they can prove they ever investigated or even tried to follow the law...

Should I ask fleet to resend me the letter with my acct number or is this not necessary? it's the only fleet tradeline on my report!..

If it were ME..i would sue and settle, for deletions of all inquiries, negatives, and a few hundred dollars.

But if it was you, I would get Fleet to resend you a letter with the acct #...

Swayyyyyyyy, Flick, Swing, Marc!.

Hey, do you want to borrow my new wild hair button?.

I just don't know what to say in response to this thread or the others on the same subject. Why are they all seperate threads anyway? It's discombobulated I say, you should link them all at least!.

I firstly can't figure out why you're continuing to allow this, Allen, Fleet and EQ have you doing both of their jobs and you don't even know what either are required to do! I know the employees of both aren't the highest paid bunch, but hey, they're getting paid something. It's their jobs, not yours! This is nuts, Allen, truly!.

I'm not sure they're going to help you at this point, here's the link to the FCRA:.

Http://www.ftc.gov/os/statutes/fcra.htm.

The reasonable procedures required provisions are strewn through the first 1/2 to 3/4 of the act, look at least under purpose (602) and compliance (607) and ask yourself how the responses by the CRA (what they are supposed to do is section 611) or how the responses of Fleet (what they are supposed to do is under 623), stack up against what both are required to do, then stack up all those failures against the purpose for credit reporting and the reasonable procedures required, and the reasonable procedures required to ensure maximum possible accuracy under compliance, and I hope you will understand my remark asking why you are allowing this to continue..

Ask yourself, please, how is it possible when you have disputed with both the CRA and Fleet, which is the only thing you are supposed to do, how in the world after the first bogus verification (reinvestigation by the CRA or investigation by the furnisher) any response you have received, beyond it being a flat-out lie, could possibly be construed as a reasonable procedure by even the most dense amongst us?.

I'm understanding a few of your other positions and responses in threads now. They are lying to you Allen, both of them and however many employees you've spoken to with each. They are lying and dicking you around..

The answer to your specific question about verification required and sharing with the consumer is in section 611..

I think you should call EQ back and cry again actually, this time be sure to sob..

Sassy..