willy2004

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About willy2004

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  1. yes, and the CRA does not have to comply with 611(a)(2) if the CRA complies with 611(a)(8) in its entirety. In other words, the CRA does not have to notify furnisher if the CRA deletes, notifies consumer of deletion by phone, etc..
  2. Lead, the criminal statute that applies (or at least one of them) is: 18 USC 1028(a)(7) I am aware of one case in the 6th Cir where a defendant was sued civilly for violating 604(f)(1) and had previously been sentenced pursuant to 18 USC 1028(a)(7). He was a car salesman and was obtaining consumer reports on other consumers in order to approve a prospective car buyer for a loan.
  3. Actually, the second statement should read "consumer report" (and not "credit report"). I frequently send letters to the FTC.
  4. muneca, different CRAs delete inquiries for different reasons. I don't want to give you a false answer. A CRA is only required to disclose inquiries to the consumer according to the text of the FCRA. Depending on the caption above the list of inquiries, an argument could be made for a 611 dispute. For example, I believe that TU and EX (and maybe EQ) assert that each inquiry is "permissible." If an inquiry is impermissible, then 607( might apply to a hard inquiry. Experian is the real DOG of the bunch: "By Federal law, your personal credit report must list all taht have requested your credit history." A recent letter from Experian concedes the following: "(Subscriber XYZ) did not receive a copy of your personal credit report. Therefore, the inquries are not required to display on your personal credit report for any specified period of time." In fact, the identity of a person that requests a consumer report, but does not "procure" a "consumer report" does not have to be disclosed in my "file" pursuant to Section 609(a)(3). If you fill in the gaps w/regard to "Subscriber XYZ" (that lacked a PP), then I trust you will recognize why Experian's misrepresentation is purposeful. Roughly every single word that this CRA says is a purposeful misrepresentation.
  5. I think that the only basis for disputing an inquiry is that the person did not actually procure a copy of your consumer report. My experience is that TU will delete a fraudulent inquiry all on its own...with the right incentive. http://www.debt-consolidation-credit-repair-service.com/phpBB2/viewtopic.php?t=14621&highlight=fin+coll+agency It can happen so fast you won't even know it...and TU will allege that every question you have about the fraudulent inquiry is a 'dispute regarding an item that does not appear on your file.' For example, they might deny your request for the identity of the person...it has happened. GL w/it.
  6. An example: Payment is due on Jan 1, 2000 Payment is 30 days late on Jan 31, 2000 The 7 year period begins to run 180 days after Jan 31, 2000. (Somewhere around Aug 1, 2000)
  7. Section 605© http://www.ftc.gov/os/statutes/fcra.htm Read the statute, read the statute, read the statute.
  8. ....and I know that is not what you were asking, lol. Nodding to Don's post and adding the following: Read about "firm offers" under Section 604© http://www.ftc.gov/os/statutes/fcra.htm#604 You can "opt out" and if you do, persons are not pemitted to obtain your _____ (is the word "consumer report"?) in order to make a firm offer. Therefore, if you are opted out, each person named on your CR, whether soft inquiry or hard inquiry, should have a permissible purpose. To opt out, 888-5-OPT OUT Do some searching on the site for tips about assuring that you are opted out.
  9. From above, compare the following FTC links: (This is false.) At your request, a CRA must give you the information in your file, and a list of everyone who has requested it recently. http://www.ftc.gov/os/statutes/2summary.htm VERSUS (This is an accurate statement.) You have the right to know the name of anyone who received your credit report in the last year for most purposes or in the last two years for employment purposes. http://www.ftc.gov/bcp/conline/pubs/credit/crdright.htm
  10. My guess is that you are looking at a TU report. Notice that Experian inquiries describe "requests" and not necessarily "procurements." Experian circulates a form letter that says "By federal law, your personal credit report must list all who have requested your information." This is false. The FTC prescribed Summary of Rights describes "a list of everyone that has requested it" under the subject heading "You can find out what is in your file." Draw your own conclusions. . Section 609(a)(3)
  11. absolutely, both parties are required to submit disclosures.
  12. Any way to do a BBB complaint aside from online?
  13. Shannon Stafford loosely referred to another consumer's SSN as a "variation of Social" during one tape recorded conversation. I will post some more of her famous quotes one of these days.
  14. Folks, do be aware that Experian designates "Type of Address" information. I have a letter from Mrs. Shannon Stafford, Special Services Manager, confirming that "we" are the source of this very false information. Experian lovvvvvvves addresses, their bread and butter.
  15. This is the associated product, "Social Search." http://www.experian.com/subservices/products/social.html Now you know WHY we have "Social Security number variations." Notice that it is PLURAL and the language that appears below the topic: "...as a security precaution." Of course.