Re: guidance needed please

Posted by LadynRed (199.91.33.254) on October 08, 2003 at 17:40:47:

In Reply to: Re: guidance needed please posted by krel on October 08, 2003 at 15:29:08:

Per the FCRA you have the right to know HOW they did their investigation and WHO they got their information from. The problem is, they're lazy when it comes to verification.. they go to their database and if the name, address, and SSN matches, they simply say 'verified'. So, you have to MAKE them prove HOW they verified. They're supposed to go back to the furnisher, but they don't often do that until WE make a stink.

Here is the FCRA section you need:

"§ 611. Procedure in case of disputed accuracy [15 U.S.C. § 1681i]
(a) Reinvestigations of disputed information.

(6) Notice of results of reinvestigation.
(A) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.
(B) Contents. As part of, or in addition to, the notice under subparagraph (A), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph (A)
(i) a statement that the reinvestigation is completed;
(ii) a consumer report that is based upon the consumer's file as that file is revised as a result of the reinvestigation;
(iii) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available;
(iv) a notice that the consumer has the right to add a statement to the consumer's file disputing the accuracy or completeness of the information; and
(v) a notice that the consumer has the right to request under subsection (d) that the consumer reporting agency furnish notifications under that subsection.

(7) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph (6)(B)(iii) by not later than 15 days after receiving a request from the consumer for that description. "

Write them another letter and say 'pursuant to FCRA section "§ 611. Procedure in case of disputed accuracy [15 U.S.C. § 1681i], paragraph ... and quote the above, you are requesting same.

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