     John Lewis (Credithelp71) | Wednesday, January 24, 2001 - 09:40 am 
I have a question I sent in a few disputes with the CRA's, and I just recieved a letter from Trans Union and basicly the letter said that my disputes were received with no signature and they believed to have been submitted by a 3rd party, and Trans Union doesn't respond to third parties. Then it goes on saying if I used the services of a Credit repair clinic to assist me, and that if I was, can I give them the name. My question is, does this mean my Credit report is flagged? what do I do? |
| Christine Baker (Admin) | Wednesday, January 24, 2001 - 10:35 am
Everybody PLEASE post new questions HERE!
John, interesting. Who sent the letter?
And no, I don't think it means that your report is flagged, but obviously your dispute wasn't processed.
I have been wondering how all these mass dispute companies do this. I've read they sign the customer's name. I don't think that's legit unless the customer authorized it. Personally, I don't sign anyone elses name unless I have power of attorney.
Did somebody forget to sign your name? |
| Patricia Holly (Househunting) | Thursday, January 25, 2001 - 05:13 am
This is fascinating. I did digitally sign a power of attorney for Lexington and physically signed one for junum.com and I am sure they both just signed my name. Also, my gut reaction is never admit to the CRA that a third party sent them anything. And certainly don't give them the name of the company! I would say do one of two things: ignore the letter or respond that you forgot to sign the last letter and would gladly resend it WITH a signature (if that is possible) and then do it. Call the company and tell them what happened: get them to resend the letter WITH a signature or if you wrote it get a copy WITH a signature. If these are not possible when you contact the CRA tell them you no longer have a an exact copy of the letter sent but would gladly resend a new one. This is what I would do. But I am no expert, this is just a gut reaction. Perhaps others will have some advice. |
| Christine Baker (Admin) | Thursday, January 25, 2001 - 10:09 am
Well, I sure am no expert on power of attorneys either, but don't you have to indicate that you are signing for someone with a power of attorney?
I seem to remember this from my real estate practice. Is this California law only? Elsewhere you just sign WITHOUT any reference to the power of attorney?
What's the legal situation?
I have had some MAJOR fights with the CRAs over that back in 97.
I firmly believe in the right to hire anyone I like to deal with my business and to act on my behalf. I realize that to be represented in court I need to hire a lawyer, are the CRAs equal to court?
Obviously, the CRAs need to know that they are responding to someone who is AUTHORIZED to discuss the individual's credit file. It seems simple enough to enclose the authorization with the dispute. However, the CRAs would refuse to accept those disputes and I had to have my clients sign the letters, which of course only delayed mailings and increased the cost to my clients. I could not get the CRAs to discuss a client's file on the phone with me at all.
I have represented my clients in disputes with banks and creditors without any problems, sometimes my clients would verbally instruct that they deal with me, sometimes I'd fax the signed authorization.
I'd greatly appreciate any experiences and legal opinions. |
| Kelly (Kelly) | Friday, January 26, 2001 - 01:29 pm
This has happened to me before. What I did was ask TU for the names and addresses of a couple of inquiries I didn't remember authorizing. I wasn't even disputing anything. I forgot to sign the letter. I received the same thing you did. I resent my letter with signature and received my requested names and addresses. Your file is not flagged.
Kelly |
