I read in an earlier post that a CRA cannot be a CA and a CA cannot be a CRA at the same time. Is this true? I cannot not find it any where. I would really like to know. I have a sumbag ca saying they are a cra too.
I don't think that can happen. I don't know of any laws that say they can't be both. RMA is an affiliate of EQ, but they are different corps. What CA is telling you that they are a CRA? Charlie
Oh sure they can. Normally a CRA gets into the collection business for "extra money". But if they say they are both, they better be both.
It's a collection agency called Check Care System. On their letter head they say said they are both a CRA & CA. They are a bad check collection agency. They pissed me off. Tried to collect fees not permitted by law and several others. I am thinking about sending a demand letter for violations.
Several good examples of how a ca can be a cra and vise versa... Chexsystems Telecheck Cetergy (Equifax Check Systems) Equifax CSC Retail Merchants Assoc. (Lubbock, TX) Etc... They can be both, and places like Chexsystems tend to never follow the rules so good luck.. Keep up the fight!
You're right Butch. I know someone that has an EQ collection, but it's a business collection. I haven't heard of anyone with a personal. Charlie
I've sent a letter requesting my file. So far, 3 weeks later no response. They are about 25 miles from my home, maybe I'll go pay them a visit.
Would you match your list with the CRA's that they are affiliated with: Chexsystems, Telecheck, Retail Merchant's.
My initial answer was based on 3 CRA's, EQ, TU, and EX. CSC is a corporation that is an affiliate to EQ. I have never heard of Cetergy, but it may also be an affiliate. I have only heard of a business having an EQ collection. I have had a Risk Mgmt Ass collection, but that is a CA affiliate of EQ. They are not EQ. Unless there is a new CRA, Check Care Systems is not a CRA they are a CA. They may be an affiliate under a CRA's corporate umbrella, but they are not a CRA. Charlie
Butch, Can you give an example? I may be wrong on this, but a CRA is covered by the FCRA. A CA is covered by the FCRA and the FDCPA. There is noway that Congress would let a CA and CRA comingle. The instance that I gave was for a business and they aren't covered by the FDCPA, so that's why EQ can be a business collection because they aren't covered. Does that sound right to you? Where is Sassy when you need her.? Charlie
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