I asked for the addresses of everyone from TU and EX includes them in your report. well, I mailed several and so far two of them are bad addresses. I am wondering if this might be a violation.....
Had this happen with First USA on EQ, so I'm curious as well. The phone number and address were bogus, so I mentioned this when I called later on. The rep asked if I wanted another phone number for FUSA. She gave me an 800 number which worked, but didn't have another address. Makes me wonder exactly how they are "verifying" ...
maybe not a violation, but you can send them a letter asking them to delete the account because the ca cannot verify the info, I am assuming you already disputed these accounts and that they came back verified? I am assuming that you sent the crrr, so you can send copies to the cra, with the info from post office saying ( undeliverable, or cannot forward). This worked for me on one or two accounts! I need to look at FCRA and see if is a violation if they responded with bad info to a procedure request.....
Actually, uniondiva, this was in refference to inquiries (I sent the pay me letter). But I can see how it would apply to either case. Hopefully someone can find something on this because I'd like to go after the CRA if they gave me false information...
PAE, I've wondered about this provision as it relates to inquiries and the CRA's refusal to investigate for lack of permissable purpose. I'm wondering now again with your question as well. Beyond the factual listing of the reports preparation, that they hang their hat on, there are things they HAVE to do and MAINTAIN to avoid violations which obviously aren't happening. I don't know how they can maintain anything remotely reasonable as a procedure if the address isn't even correct. I think too, we should be able to request or make a case for requesting what reasonable procedures they did follow and/or the certifications they were relying on when distributing the report. "...SHALL maintain reasonable procedures designed to avoid violations..." "...SHALL require that prospective users of the information IDNETIFY themselves, CERTIFY the purposes for which the information is sought, and CERTIFY that the information will be used for no other purpose." "...SHALL make a reasonable effort to VERIFY the identity..." Sassy § 607. Compliance procedures [15 U.S.C. § 1681e] (a) Identity and purposes of credit users. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 605 [§ 1681c] and to limit the furnishing of consumer reports to the purposes listed under section 604 [§ 1681b] of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 604 [§ 1681b] of this title.
You need to make a copy of the returned mail and forward it to EXP asking the items be deleted as you can not contact the companies. Make the CRA a party infact so they know the items being reported may not be correct. If the companies are out of business file a complaint with the BBB. The BBB will not do complaints on companies no longer in business. When the letter comes from the BBB saying the company is no longer in business forward it to the CRA asking the item be deleted. You may also wanted to call your AG asking about this too.
