Easiest FDCRA Violations? - Credit Repair Forum from Creditnet
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  1. #1
    pnwman is offline Senior Member
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    Ok, it is clear that failure to note in dispute is OCs easiest violations. Any idea what other violations happen most often? Many thanks.
    -Pnwman

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  3. #2
    Butch is offline Senior Member
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    Re: Easiest FDCRA Violations?

    Originally posted by pnwman
    Ok, it is clear that failure to note in dispute is OCs easiest violations. Any idea what other violations happen most often? Many thanks.
    Oh yeah.

    Just so you know the FDCPA applies to CA's not OC's. So I can't tell if you mean most recent violations from the OC, (FCRA) or the CA, (FCRA + FDCPA).

    :)

  4. #3
    robin is offline Senior Member
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    Re: Easiest FDCRA Violations?

    Originally posted by pnwman
    Ok, it is clear that failure to note in dispute is OCs easiest violations. Any idea what other violations happen most often? Many thanks.
    Are you referring to the FDCPA violations or FCRA violations? Yes, some would agree that not noting the account in dispute once they have received validation or some form of dispute from you is the most common violation. I think the next most common violation would be the CA verifying an account with the CRA when the CA has not yet provided validation.
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  5. #4
    pnwman is offline Senior Member
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    Re: Easiest FDCRA Violations?

    Sorry, I meant FCRA and OCs. But while we are at it what are the most common CA violations of FDCPA? Thanks for any and all help.
    -Pnwman

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  6. #5
    pnwman is offline Senior Member
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    Re: Easiest FDCRA Violations?

    74 views and no replies?
    -Pnwman

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  7. #6
    will2win is offline Member
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    Re: Easiest FDCRA Violations?

    OC's routinely report inaccurate chargeoffs by effectively "re-aging" accounts. This involves reporting incorrect balances s "current", "open" "past due" etc. AFTER charge off date. Also, they frequently report incorrect dates or no dates for this information which negatively impacts FICO scoring, in violation of the FCRA "Complete and Acuurate" information. Section 623. They violate the law when they "verify" to CRA's and do not correct the reporting or delete the account.

    A close second is NOT reporting the credit balance to the CRA's.

  8. #7
    pnwman is offline Senior Member
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    Re: Easiest FDCRA Violations?

    Speedbump
    -Pnwman

    TU FAKO 1/03 754>809
    EQ FICO 1/03 607>701
    EX FAKO 2/03 624>649> 666>661

  9. #8
    pnwman is offline Senior Member
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    Re: Easiest FDCRA Violations?

    Bump any additional opinions? Thanks!
    -Pnwman

    TU FAKO 1/03 754>809
    EQ FICO 1/03 607>701
    EX FAKO 2/03 624>649> 666>661

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