Okay, gang...had to share my vent here. There is a certain CRA (go ahead and guess which one, as you've got a 33% chance of being right) who had the audacity to state I'm using a credit repair agency. For some odd reason, it made me rather upset. For your enjoyment, the letter: Dear Sir or Madam: I am writing as a response to your form letter regarding â??credit repairâ? companies. I am rather insulted at the tone and insinuation that I am an imbecile and cannot write my own letters of dispute when I discover inaccuracies on my credit bureau report. I know when a citizen exercises his or her legal rights it must infuriate you, but by law you must comply with the consumerâ??s requests. May I remind you of the Fair Credit Reporting Act, in particular, the sections listed below: § 602. Congressional findings and statement of purpose [15 U.S.C. § 1681] (a) (4) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer's right to privacy. (b) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. § 604. Permissible purposes of consumer reports [15 U.S.C. § 1681b] (3) (B) (IV) that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report. § 605. Requirements relating to information contained in consumer reports [15 U.S.C. § 1681c] (f) Indication of dispute by consumer. If a consumer reporting agency is notified pursuant to section 623 (a)(3) [§ 1681s-2] that information regarding a consumer who was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information. § 611. Procedure in case of disputed accuracy [15 U.S.C. § 1681i] (a)(1) (A) In general. If the completeness or accuracy of any item of information contained in a consumer's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph (5), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. I realize the consumer does not pay you for your services. Your bills are paid by the subscriptions from each creditor that report payment activity. However, as stated by federal law you must comply with my requests with impartiality. If your form letter is to inform me that you are refusing to comply with my requests, I will gladly file suit. I anxiously await your response. If you have any questions, please feel free to contact me at (555)555-1212. Sincerely, Mad as Hell
You can educate the board with revealing the name of the creidt agency. My strong suspician is that it is Transunion. Please confirm or deny.
The only thing you are missing is that your letter will not be read by anyone who gives a shxx. The only person who will see it is a $7.00 an hour employee who is required to classify it in one of ten catagories with a 2 number code. Other than that they will trash can it. None the less, it is a well stated letter
Ding! Ding! Ding! Perhaps that letter, coupled with my CRRR letter which was sent the following day to the attention of Ms. Holland was responsible for the three incorrect entries on my file being finally removed. For the last year they REFUSED to remove them, but somehow they were able to verify these entries every time I disputed. Apparently they saw the light. They were not my accounts and I had a legitimate beef. Perhaps they could feel my frustration was building and a lawsuit could be next, as I knew my legal rights...
