OK- so I have a debt entered on my chexsystems report that I do not remember. It is for "account abuse" in 2005. I sent a letter for verification and within 30 days they said it was verified. I then sent in a procedural request that said I called the bank, they have no record of the debt and I need to see the procedure they used to verify. I said repeatedly in capital letters THIS IS NOT A REQUEST TO REINVESTIGATE. PLEASE DO NOT REINVESTIGATE - several times. I also said that I expected the procedure back within 14 days. It's now day 13 and I got a letter (the generic one) that they were going to reinvestigate. When I called they owned up to this being a clerical error - I demanded they delete the item because they did not send me the procedure description in the time allowed by law and they were violating my rights. Chex said that because I called the bank this warranted them investigating again (backpeddling) so I quoted my letter and it's capital letters - they said they would send a procedure description now. WHAT DO I DO? They did not send me the proper paperwork in the 14 day period! HELP!!
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