Now, I know that CCPA includes the FDCPA/FCRA, but what other rights are included in it? Here's the problem... In March I applied for an account with a merchant who's credit program is managed by Citi. I was denied based on an alleged 'existing account'; the adverse action letter does not specify that a credit report was obtained for the decision, however guess what Citi did, they pulled a TU. I was going to let it drop until I received the TU report listing the non-disclosed TU pull; so I immediately sent a letter. Waited SIX weeks, and sent a you had 30 days to reply to my last letter, you didn't, you are further in violation of the FCRA, I am demanding an immediate response, surprisingly in under a week, I receive a "We can't find your application, please re-apply" letter. (Gee, if you would have replied six weeks ago, you may have been able to find it.) Since this didn't address any of the violations, I sent another letter, and haven't heard back, as well as PlanetFeedbacked Citi. Now, the fine-print of the second letter telling me to re-apply, actually had a legible copy of the ECOA notice; with the reference to the CCPA rights. I had an account previously with that merchant; paid it in full with a lump sum payment while it was current, was contacted ONCE by Cap1/WestMoreland, sent a validation, and Cap1/WestMoreland deleted the account in under 3 days after they received the validation letter. Now, wouldn't that dispute qualify as invoking my rights under the CCPA, therefore any adverse action based on that alleged account (FROM 1995 no less) be a violation of the FDCPA, - further collection activity - Citi was not whom managed their program in 1995. so it seems that Citi would fall under a CA in this matter; as well as a ECOA violation for the denial on based on the invoking of any of the rights under the CCPA. Citi has never before, and STILL HAS NEVER contacted me regarding this alleged account, and even when I demanded that they provide the proof that they have contacted me, and what this alleged account is about, they have flatly refused to do so. And they are not listed on ANY of my CRAs. However, if they are acting as a CRA for themselves and denying based on their own information, don't I have a right to make sure that their alleged information is accurate?