Which CRA is the hardest and which is easiest about deleting when you file a lawsuit? and when they do delete, will they delete things that were never even mentioned in the orig. letter... or (re)add missing positive accounts?
According to what I've read on this board, TU folds rather quickly. EX is somewhere in the middle. And, EQ will at least attempt to put up a fight. Yes, you should dispute everything you want deleted, but this is not set in stone since anything is theoretically up for negotiation when it comes to a settlement. If you are looking for some easy violations, do a search for "TU violations". Their system is so antiquitated that you can rack up four or five violations with a single dispute. EX and especially EQ are much more by the book.
1. fails to send new credit report when account changes as result of dispute (may give you snapshot of just the single account that changed). 2. requests for procedures result in statement of hypothetical procedures, rather than procedures actually used to verify your particular dispute. 3. fails to provide information contained in credit file. For example, ask them for date of commencement of delinquency. Furnisher must report this date to CRAs, but EX acts if they have no idea what you are asking. 4. fails to reinvestigate whenever asked by consumer. Gives the ole 'we already investigated this account'. 5. even though it is reasonably available, fails to provide name, address and telephone number of party who actually verified a dispute. Of these 5, no. 3 seems to be the strongest violation. The others could be argued. We continue to see poats about the FTC refusing to take any action (other than to gather information). EX has no reason to change.
If you file against EQ, they will most likely freeze your file so that neither you nor creditors can view it. Check the search on this board on that.
I searched various forms of the words, couln't find anything in the search. to you remember any posters names from that thread, or any other info that may help me? thanks!
If they deny you from furnishing the information in your file by freezing it, doesn't it violate this? § 609. Disclosures to consumers [15 U.S.C. § 1681g] (a) Information on file; sources; report recipients. Every consumer reporting agency shall, upon request, and subject to 610(a)(1) [§ 1681h], clearly and accurately disclose to the consumer: (1) All information in the consumer's file at the time of the request, except that nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer. (2) The sources of the information; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually used for no other purpose need not be disclosed: Provided, That in the event an action is brought under this title, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought.
If they deny you from furnishing the information in your file by freezing it, doesn't it violate this? § 609. Disclosures to consumers [15 U.S.C. § 1681g] (a) Information on file; sources; report recipients. Every consumer reporting agency shall, upon request, and subject to 610(a)(1) [§ 1681h], clearly and accurately disclose to the consumer: (1) All information in the consumer's file at the time of the request, except that nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer. (2) The sources of the information; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually used for no other purpose need not be disclosed: Provided, That in the event an action is brought under this title, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought.
I'm wondering if the above is a double post.. (cuz they were posted at different times.) was it a mistake, or is there a difference (code law or something) that I missed? thanks!
It was some how a double post. This afternoon I ended up on some screen and the next thing I knew, I had resubmitted the same earlier post. I dont know what I did though and didnt even have that data in my clipboard
Re: Re: Bone-less CRA... which??? They still allow you to access you're report by mail so technically, they are not violating.
