http://c.moreover.com/click/here.pl?b100490747 Our info goes offshore. Do our disputes get handled offshore, and if so, are those people subject to the FCRA?
Great, this sounds like a WONDERFUL idea: "A hundred percent of our mail regarding customer disputes is going to go to India at some point," said David Emery, executive vice president and chief financial officer of TransUnion in Chicago." So much for disputes needing to be completed in 30 days, it will now be 6 months...and good luck calling anyone to check status!
Let's see, 100% is mailed to India. US Law says delete if not verified in 30 days. They only have 5 days to request data from the OC CA for verification. It seems to me that this would be impossible! You send it CRRR to a US addy, it then takes 2 weeks to get to India and to get it in the system? Not our problem! The biggest issue I have here is the language barrier! As an IT person, I have had the misfortune to work with numerous Indians. They are EXTREMELY hard to understand, cannot comprehend english coloquialisms, and will not have the depth of understanding US laws! They are going to be nothing more than robots regurgitating incorrect directives from their higher ups. This is going to make disputing an item more than once impossible! The reason this is happening is CHEAP labor. Although IT was the darling of the employment force in the 90s, it is nearly impossible to keep our jobs now! A senior programmer commands between $65K and 85K here. They only cost $5K US there. 'nuf said? We all need to get with our reps to stop them from continuing this!
This should be a clear indication of the importance that CRAs place on accuracy, disputes and reinvestigation. It's hard enough to get a stateside CRA employee to reinvestigate with an OC or CA. Now we're expected to believe that their employees in India or Jamaica are going to contact MBNA, Citi Financial, Ford Credit, etc. and resolve disputes? If anything, this will make our inaccurate reporting lawsuits easier to win. Now, there's no excuse not to sue. Sue early and sue often.
The reason this is happening is CHEAP labor. ============ I think there is another one - avoiding the us consumer protection laws.
