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Everything posted by willy2004

  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 c
  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 o
  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.
  16. My philosophy follows, but it has not and will not cause Experian to change their policy until they are successfully sued: Send a letter requesting FIRST for the "source" of each false item of information pursuant to 1681g(a)(2), including the name, address and phone number of the source. SECOND, after the source is disclosed, dispute the items of information pursuant to 1681i(a)(1) according to whatever grounds is applicable (address is nonexistent, an address I never lived at, a SSN that is not mine) and demand DELETION. Inevitably, names and SSN will be "deleted," whereas addresses (that
  17. My June 24, 2004 Trans CR states the address for all inquiries and phone # (either reads "not available" or provides a tel number). My May 20, 2004 CR does not contain this info. I am wondering if this is a new TU policy. I can think of other reasons why they might include this info on my CR but not those of other consumers. thanks
  18. hi, I intend to post on this subject soon, excuse me as I am marking/bumping the thread.
  19. retmar, thanks for the good word. I will keep holding the meetings. So far, it is just me. Don't forget about 1681g(a)(2). We have a statutory right to learn the "source" of each item of information on our reports, including names of other consumers, addresses that do not exist, addresses that belong to other consumers, "mixes" of these addresses, and even the SSN that identifies another consumer.
  20. Local Advocates, Twin Cities Chapter The name is unofficial. The primary goal is to fight the CRAs with a sharp weapon. The 2nd meeting is scheduled for: Wednesday, August 11, 2004 at 8:00 PM Dunn Bros. Coffee 530 University Ave. SE (University Ave. and 6th) Minneapolis, MN. 55414 (612) 331-5195 Minnesotans, please post below if another day/time/place works better for you. I will place a large green notebook on my table. I describe generally and then specifically why I am convinced that establishing local groups of consumer advocates is essential to putting a dent in the CRAs. My h
  21. I sent a brief description of Experian's policy to the attorney that handled the case above. (I only provided excerpts from the case.): Mr. David Szwak, Esq. Bodenheimer, Jones, Szwak & Winchell, LLP 401 Market St. Suite 240 Shreveport, LA. 71101 My belief is that Experian will not change its policy based on consumer complaints. It will take some litigation to change this policy. The reinsertion w/out notice is a serious violation, in my opinion. FIRST, I suggest requesting the "source" of each false item FIRST. SECOND, I suggest committing "disputes" to writing regarding false names,