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 § 604 (a)(2) § 604 (a)(3)(A) § 604 (a)(3)(E) § 604 (a)(3)(F) § 604 (c)(1)(A) § 604 (f)(1) § 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" § 605 (e) · I have disputed my account, but there is no notice of dispute reported § 605 (f) § 611 (c) · The above and any other inaccurate information § 607 (b) § 611 (a)(1)(A) § 611 (a)(5)(A) CRA: REPORTING INCORRECT INFORMATION · CRA reinserted previously deleted information without OC verification § 611 (a)(5)(B)(i) · CRA reported an account which is more than 7 years old § 605 (a)(2) · CRA reported an account with incorrect (re-aged) delinquency date § 623 (a)(5) FTC: Harvey FTC: Johnson · The above and any other inaccurate information § 607 (b) § 611 (a)(1)(A) § 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. § 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 § 611 (a)(1)(A) · I disputed an account, CRA did not notify the OC in 5 days § 611 (a)(2)(A) · I disputed an account, CRA decided the dispute is frivolous or irrelevant, did not notify me in 5 business days § 611 (a)(3)(B) · I disputed an account, CRA could not verify it, but did not delete the tradeline § 611 (a)(5)(A) · CRA reinserted previously deleted information, did not notify me in 5 days § 611 (a)(5)(B)(ii) § 611 (a)(6)(A) · CRA reinserted previously deleted information, did not send me complete notice § 611 (a)(5)(B)(iii) § 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 § 615 (a)(1) FTC: Everson · OC pulled my CR and did not send me a complete credit offer § 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 § 623 (a)(4) · I disputed an account with CRA, OC did not report the exact date my account went delinquient for the last time § 623 (a)(5) FTC: Harvey FTC: Johnson · I disputed an account with CRA, but OC did not correct and report it § 623 (a)(2)(B) § 623 (b)(1) · I disputed an account with CRA, but OC did not correct and report it in 30 days § 623 (b)(2) ···································· ··· Comments, please! ··· ····································
OC: DISCLOSING INCORRECT INFORMATION TO THE CRA [Revised] · OC knowingly reported incorrect information § 623 (a)(1)(A) · I disputed an account with OC, after that OC reported the incorrect information to CRA § 623 (a)(1)(B) · I disputed an account with OC, OC did not report a notice of dispute to CRA § 623 (a)(3) · OC did not report the exact date my account was closed § 623 (a)(4) · OC did not report the exact date my account went delinquient for the last time § 623 (a)(5) FTC: Harvey FTC: Johnson Note: All violations under § 623 (a) could be enforced by FTC, not by consumer § 623 (d) · I disputed an account with CRA, but OC did not correct and report it § 623 (b)(1) · I disputed an account with CRA, but OC did not correct and report it in 30 days § 623 (b)(2) ···································· ··· Comments, please! ··· ····································
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 ...
CRA: REPORTING INCORRECT INFORMATION [Revised] · CRA reinserted previously deleted information without OC verification § 611 (a)(5)(B)(i) · CRA reported an account which is more than 7 years old § 605 (a)(2) § 605 (a)(5) · CRA reported an account with incorrect (re-aged) delinquency date § 605 (c)(1) (added) § 623 (a)(5) FTC: Harvey FTC: Johnson · The above and any other inaccurate information § 607 (b) § 611 (a)(1)(A) § 611 (a)(5)(A) Note: All violations under § 623 (a) could be enforced by FTC, not by consumer § 623 (d) ···································· ··· Comments, please! ··· ····································
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.