I wrote Experian a few weeks ago asking for a procedure description. I was very explicit in my letter and I just re-read it and it specifically says that this letter is a formal request for the description of the procedures used to verify information. I received their reply today. Basically, they said: "We are responding to your request to verify item(s) on your personal credit report. We have already investigated this information and the credit grantor has verified its accuracy", etc, etc. Jesus Christ, are these people complete idiots? I never asked for verification; I asked for procedure description! And the thing that really pisses me off is that later on in the letter, they say: "The federal Fair Credit Reporting Act states that you may: --request a description of how we verified the information, including the business name and address contacted and the telephone number." ISN'T THAT WHAT I JUST ASKED FOR? I am so fuming mad. What should I do? I know I should send them the original letter with the words FORMAL REQUEST FOR PROCEDURE DESCRIPTION in big letters but I am so mad right now that I can't think straight. Is there anything via the FCRA that I can do? I mean really...I ask these people for something, they are complete idiots, don't do it and then these same people are the ones who exclaim that they are reporting accurate information on my report? Gimme a break! Any suggestions? Thanks.
Fungrl, Think about it. It's because these people are complete idiots is why procedures is such a big deal around here. The purpose for requesting procedures is NOT so they'll send us procedures, but rather, so they'll violate.
It could be construed as a violation sure. In my op. it's rather blatant. FCRA & FDCPA make allowances for a consumer to have to pay the legal fees of a CA, OC or CRA if the court finds that the consumer filed on them in bad faith, or for the purpose of harassment. If you catch your CA or OC on violations, you can now bring in the CRA as well, and probably avoid the bad faith filing sanction. You might file in small claims until you get the CRA to delete, it it works. etc. etc.
How is it rather blatant to you personally? I guess I just don't know the provisions of the FCRA or FCDPA well enough to see the obvious violation...please help!
