Let's say you are being harassed by a CA. You do not have an account with CA, CA has admitted this to you, but they won't stop trying to collect a debt from you that is not yours, it is actually your parent's who have the same name. They engage in petty games....hang the phone up on you, tell you if you want to "refi your house, you will pay this debt", start accessing your credit reports. One CRA promplty deletes the accout from your credit report after they recieve statements and affidavits from you that this is not your account. You complain to another CRA that a CA is wrongfully accessing your credit report, in fact using your credit report as a tool of harassment. Provide affidavits that you have no accounts with CA, and INSIST in your letter for CRA to investigate this inquiry. Of course, CRA refuses to investigate. AND, a few months later, you find out the there is a HIDDEN file on your CRA report from the CA, the same CRA that refused to investigate the inquiries. Now, about 250 phone calls later from the CA, you file a federal complaint against CRA for not investigating the inquiry 8 months ago. Magically, the daily phone calls from CA stop within three weeks of the complaint. Yes, I probably would have a good case against the CA. But, I think the CRA is liable for not investigating the inquiry in the first place. Had the CRA investigated the inquiry and sent some kind of a warning to CA that wrongfully accessing consumer's credit report would result in (severing business relationship, legal prosecution, fines/penalties) the CA might have stopped harassing me. But, as long as the CRA is willing to collect money for the inquiries from CA and turn a blind eye to complaints of abuse, then why should the CA stop harassing me?? Of course, this CA is one among many that has called me with relation to my parents debts. The only difference with this CA is that they do not take no for an answer.....they just get more relentless. Any thoughts???
