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Discussion in 'Credit Talk' started by pnwman, Jan 10, 2003.
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Just so you know the FDCPA applies to CA's not OC's. So I can't tell if you mean most recent violations from the OC, (FCRA) or the CA, (FCRA + FDCPA).
Are you referring to the FDCPA violations or FCRA violations? Yes, some would agree that not noting the account in dispute once they have received validation or some form of dispute from you is the most common violation. I think the next most common violation would be the CA verifying an account with the CRA when the CA has not yet provided validation.
Sorry, I meant FCRA and OCs. But while we are at it what are the most common CA violations of FDCPA? Thanks for any and all help.
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OC's routinely report inaccurate chargeoffs by effectively "re-aging" accounts. This involves reporting incorrect balances s "current", "open" "past due" etc. AFTER charge off date. Also, they frequently report incorrect dates or no dates for this information which negatively impacts FICO scoring, in violation of the FCRA "Complete and Acuurate" information. Section 623. They violate the law when they "verify" to CRA's and do not correct the reporting or delete the account.
A close second is NOT reporting the credit balance to the CRA's.
Bump any additional opinions? Thanks!