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In Response To:
Thread Starter: Anonymous
Title: Re: Form Letter to Dispute All Credit Report Info

OP here with this question: How many times do I have to answer the same frivolous dispute letter lacking documentation or a valid dispute, from the same customer? Every time? Some of these are on their 6th dispute letter within a one-year period.

One guy's letter arrives like clockwork, every 30 days. Would regulators seriously expect us to reply in writing every 30 days? (If you say yes to that, then would they expect us to reply every single day?). I want to place these in File 13 after the 2nd or 3rd reply, especially considering the customer never sent us a letter in the first place. Every single one of these is frivolous. Every single one comes from a shady, dubious credit repair-type service. The customer is either not reading or not using the information I am sending as a reply, because instead of sending documentation or a reason for the dispute, they just mail me another form letter. The language and silly assertions in the form letters are duplicated enough that I can tell that 19 out of 20 of them have the same authoring person/company/scammer.

Ok: scams. Let's look at that angle too. Why would I reply to our former customer repeatedly, on the basis of a scam letter we receive about that customer repeatedly?