Call me crazy but I think that Experian uses the term "If reasonably available" in sect 611 (iii) to manipulate those who dont know the law. And people like me who....well....sometimes dont fully understand how the laws are worded :)
(iii) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, IF REASONABLY AVAILABLE.
In a letter that I received from Experian, they have a little FCRA disclosure that states-
The federal Fair Credit Reporting Act states that you may:
--request a description of how we verified the information, including the business name and address contacted and the telephone number; IF REASONABLE AVAILABLE;
Its obvious that Experian uses this this term to their advantage. To make people think that its up to Experians disgression to send a response to a procedure request. I know that Sect. 611 goes on to state that CRA's have 15 days to send procedures, but Sect (iii) is rather contradicting in my opinion. I have read this section over and over and over and am still not satisfied with what the term "If reasonably available" is referring to. Could it be just the telephone number of the business or the whole darn section?
This whole thing is coming from a person who has sent a procedure request to experian 3 separate times and denied all 3 times. I just wanted to touch on this issue before I file on them next week.