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The verification process of the 3 credit bureaus is joke     They have collaborated through their trade organization to automate the entire re-investigation process using an online computer program.     Your dispute is given a 2-digit ID code simplifying the disputes to something broad like “not his/hers” – no matter how much documentation you enclose.  The bureaus do not convey the full dispute or forward any of the documents to the furnishers.      As a result, nearly all consumer disputes are VERIFIED AGAINST THE CONSUMER.     So when your dispute comes back verified, what do you do next?  Give up?  That’s what the bureaus hope you do because you don’t know the law.        If you had The Credit Secrets Bible you would know what to do next to get results.

RE: Dispute letter of

To whom it may concern:

This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of , deposited by registered mail with the U.S. Postal Service on that date.

Federal law requires you to respond within thirty (30) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission (see USC 41, et seq.). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. TransUnion Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), you may be liable for your willful non-compliance.

Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure.

For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible:

The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law you had thirty (30) days to complete your re-investigation, yet you have failed to respond. Do not delay any further.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen (15) days of the completion of your re-investigation.

Sincerely,