FCRA Reference

Discussion in 'Credit Talk' started by vghost, Oct 29, 2003.

  1. vghost

    vghost Well-Known Member


    • CRA: DISCLOSING MY CR WITHOUT PP (HARD INQUIRY)

      · I have paid in full and closed my account, and have never applied again for a credit with this OC

      · I have never had an account nor I have applied for a credit with this OC

      · I have closed my account with ballance and the OC has sold the account to a CA

      · All the above
           Â§ 604 (a)(2)
           Â§ 604 (a)(3)(A)
           Â§ 604 (a)(3)(E)
           Â§ 604 (a)(3)(F)
           Â§ 604 (c)(1)(A)
           Â§ 604 (f)(1)
           Â§ 616 (b)
           FTC: Benner
           FTC: Gowen
           FTC: Greenblat
           FTC: Appendix C

      · I clicked "Yes" to a question asking whether I authorize them to pull my CR
           FTC: Landever

      · I bought a car and paid cash
           FTC: Coffey
           FTC: Kaiser


      CRA: NOT REPORTING CORRECT INFORMATION

      · I have closed my account, but it's still listed as "open"
           Â§ 605 (e)

      · I have disputed my account, but there is no notice of dispute reported
           Â§ 605 (f)
           Â§ 611 (c)

      · The above and any other inaccurate information
           Â§ 607 (b)
           Â§ 611 (a)(1)(A)
           Â§ 611 (a)(5)(A)


      CRA: REPORTING INCORRECT INFORMATION

      · CRA reinserted previously deleted information without OC verification
           Â§ 611 (a)(5)(B)(i)

      · CRA reported an account which is more than 7 years old
           Â§ 605 (a)(2)

      · CRA reported an account with incorrect (re-aged) delinquency date
           Â§ 623 (a)(5)
           FTC: Harvey
           FTC: Johnson

      · The above and any other inaccurate information
           Â§ 607 (b)
           Â§ 611 (a)(1)(A)
           Â§ 611 (a)(5)(A)


      CRA: DISCLOSING INCORRECT INFORMATION TO THE CONSUMER

      · I received a list of inquiries where the company name is something like "HBNA NV CT", "CBUSA/UFC", etc.
           Â§ 609 (a)(3)(B)


      CRA: FAILURE TO RESPOND IN THE PROPER WAY

      · I disputed an account and received no responce from CRA in 30 days
           Â§ 611 (a)(1)(A)

      · I disputed an account, CRA did not notify the OC in 5 days
           Â§ 611 (a)(2)(A)

      · I disputed an account, CRA decided the dispute is frivolous or irrelevant, did not notify me in 5 business days
           Â§ 611 (a)(3)(B)

      · I disputed an account, CRA could not verify it, but did not delete the tradeline
           Â§ 611 (a)(5)(A)

      · CRA reinserted previously deleted information, did not notify me in 5 days
           Â§ 611 (a)(5)(B)(ii)
           Â§ 611 (a)(6)(A)

      · CRA reinserted previously deleted information, did not send me complete notice
           Â§ 611 (a)(5)(B)(iii)
           Â§ 611 (a)(6)(B)


      OC: DISCLOSING INCORRECT INFORMATION TO THE CONSUMER

      · Phone company requested a deposit, based on my CR, but did not send me a notice
           Â§ 615 (a)(1)
           FTC: Everson

      · OC pulled my CR and did not send me a complete credit offer
           Â§ 615 (d)(1)(A)


      OC: DISCLOSING INCORRECT INFORMATION TO THE CRA

      · I disputed an account with CRA, OC did not report the exact date my account was closed
           Â§ 623 (a)(4)

      · I disputed an account with CRA, OC did not report the exact date my account went delinquient for the last time
           Â§ 623 (a)(5)
           FTC: Harvey
           FTC: Johnson

      · I disputed an account with CRA, but OC did not correct and report it
           Â§ 623 (a)(2)(B)
           Â§ 623 (b)(1)

      · I disputed an account with CRA, but OC did not correct and report it in 30 days
           Â§ 623 (b)(2)


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  2. Lainie5374

    Lainie5374 Well-Known Member

    Wow! This is excellent info - thank you!
     
  3. lakpr

    lakpr Well-Known Member

    I did not notice this until now!

    WOW!! is all I can say. Sticky-worthy!!
     
  4. vghost

    vghost Well-Known Member


    • OC: DISCLOSING INCORRECT INFORMATION TO THE CRA [Revised]

      · OC knowingly reported incorrect information
         Â§ 623 (a)(1)(A)

      · I disputed an account with OC, after that OC reported the incorrect information to CRA
         Â§ 623 (a)(1)(B)

      · I disputed an account with OC, OC did not report a notice of dispute to CRA
         Â§ 623 (a)(3)

      · OC did not report the exact date my account was closed
         Â§ 623 (a)(4)

      · OC did not report the exact date my account went delinquient for the last time
         Â§ 623 (a)(5)
         FTC: Harvey
         FTC: Johnson

       Note: All violations under § 623 (a) could be enforced by FTC, not by consumer
         Â§ 623 (d)

      · I disputed an account with CRA, but OC did not correct and report it
         Â§ 623 (b)(1)

      · I disputed an account with CRA, but OC did not correct and report it in 30 days
         Â§ 623 (b)(2)


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  5. Butch

    Butch Well-Known Member

    Good Job Vlad.

    Now we know why you're learnig so fast.

    :)

    .
     
  6. vghost

    vghost Well-Known Member

    • It's all because of you, guys (and girls). It's all thanks to the excellent discussions we have here. I'm just trying to translate the law into a human language ... :)
     
  7. vghost

    vghost Well-Known Member


    • CRA: REPORTING INCORRECT INFORMATION [Revised]

      · CRA reinserted previously deleted information without OC verification
         Â§ 611 (a)(5)(B)(i)

      · CRA reported an account which is more than 7 years old
         Â§ 605 (a)(2)
         Â§ 605 (a)(5)

      · CRA reported an account with incorrect (re-aged) delinquency date
         Â§ 605 (c)(1) (added)
         Â§ 623 (a)(5)
         FTC: Harvey
         FTC: Johnson

      · The above and any other inaccurate information
         Â§ 607 (b)
         Â§ 611 (a)(1)(A)
         Â§ 611 (a)(5)(A)


      Note: All violations under § 623 (a) could be enforced by FTC, not by consumer
         Â§ 623 (d)



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  8. vghost

    vghost Well-Known Member



    • The FCRA Reference has become too complicated to keep it as a board thread.
      Besides, the limitations of vbCode don't let me use the proper formatting. Also,
      the inability to modify a post makes it very hard to follow all updates. So I have
      set it up as a part of my vgCredit website.


      You can also follow the link from my signature below. Use it at your convenience
      and have a nice FCRA-ing ... :)




      P.S. I will keep watching this thread, so any comments, suggestions, or (God forbid)
      critiques, are very welcome.
     

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