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

I think you both are misunderstanding the law..

They have 30 days to investigate, at which time they must either verify that the debt is being reported properly, or delete it..

If after 30 days the other company verifies that it belongs to you, they have the right to re-insert it...

But I think common sense, logic and law require them to notify you of the results of their investigation in a timely manner, right? Yes they have to investigate, and update, and it logically follows that they must notify you..

NV Bone Doc..

Section 611.

Procedure in Case of Disputed Accuracy.

(a) Reinvestigations of disputed information..

(6) Notice of results of reinvestigation..

(A) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency..

(B) Contents. As part of, or in addition to, the notice under subparagraph (A), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph (A).

(i) a statement that the reinvestigation is completed;.

(ii) a consumer report that is based upon the consumer's file as that file is revised as a result of the reinvestigation;.

(iii) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available;.

(iv) a notice that the consumer has the right to add a statement to the consumer's file disputing the accuracy or completeness of the information; and.

(v) a notice that the consumer has the right to request under subsection (d) that the consumer reporting agency furnish notifications under that subsection...

I take the above to mean that investigation results within 5 days of the end of the 30 day investigation period must be sent out..

Am I missing something?..

Ex did that with me results were due 1/1/3I checked it out that day & they changed the date to 1/10/3. So I sent them a letter of failure to respond in a timely manner. Then they put it back in dispute..

So when I get the results if not deleted I will sue I will not bother to sent a intent to sue...

[].

They have 30 days to complete investigation..

They have 5 days to notify you of the results of the investigation..

If, as helpwanted suggested, they do re-insert after an item is deleted, they have 5 days to notify you of that as well....

Hope this helps...

Hey Bonedoc,.

Have you decided what to do????.

Still pendering. This item that was disputed is a toughie to get deleted. Just wondering if I should send them something a little terse and to the point. I have a feeling that it WOULD get re-inserted, so I'd have to make sure I am CLEAR about reinsertion. The only leverage I have is their failure to report the investigation results, though..

Nikki..