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Re: Permissible Purpose Discussion--Section 604


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Posted by Christina (64.12.96.205) on December 14, 2002 at 13:31:30:

In Reply to: Re: Permissible Purpose Discussion--Section 604 posted by The Kid on December 13, 2002 at 23:23:02:


You can have 10 people read the same information and end up with 10 different views as to what it says. Everyone has the own opinions.

As we all know, not even Courts can unanimously agree on anything. Each case relies on its own merits, there is no "cut and dry", "right and wrong" answers.

With regard to "Reports Sought in Connection with the "Review or Collection of an Account", the "Long" letter you talked about puts a different "spin" on it:

Section 604(a)(3)(A) applies only to the review or collection of a CREDIT account, as well as to an extension of credit to a consumer.

Whether the defendant or defendant's counsel brings this "to the table" in litigation, could very well make a difference with regards to the alleged "permissible purpose".

Your interpretation with regard to a CA pulling a report regardless if it's a credit account or not is vague. Specifically, what other kinds of debts would a CA be trying to collect that doesn't involve a credit transaction?

Judgment creditors have been deemed "creditor status" in a Court of law. They have proved that whatever debt was alleged, is actually owed. This allows regular citizens to collect money LEGALLY owed to them by others.

The one case you cited with regard to permissible purpose is one of very few that have ruled this way. I would suggest you "shepardize" the case to find all the "negative" responses from other courts.

Like I said before, we all have our own opinions and interpretations, in the world of litigation, on any given day, can be either right or wrong.

The End.


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