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OK, can I do this?

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EQ sent me a "we verified" letter. It's amazing how they were able to verify 3 lines in only 18 days! WOW, they're amazing! NOT!

Anyway, something just tells me they didn't verify a darn thing. It seems to me they just wrote down the address and # of each place and said "this is how we did it." Well, in this link, I found an opinion by a federal court with the opinion that:

"The 'grave responsiblity' imposed by 1681i(a) must consist of something more than merely parroting information received from other sources." Sounds like to me that they can't just call them and say "did you send us this info", "why yes we did" and then send you a letter saying they "verified".

The question is, can't I use this U.S. Circuit courts opinion and sue EQ? Your thoughts, folks?

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this same thing happened with me at Equifax. The first moron I spoke with said that they don't

have that information available to the public and that is done via electronic tape. I demanded a

supervisor and she said she can provide this information but I have to supoena it . I asked her

how I do that and she said to go to the "courthouse" and fill out the forms. The "audacity"..What

do I do to get them to send me a letter of verification?

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So basically we're going to have to subpeona them to tell us the information that's due to us under the FCRA? Don't think so. See I told you.....They're just getting the info they originally had, updating it and calling that "verification". they're doing whatever they have to do JUST to stay (barely) within the law. And what is this tape thing they're talking about? I've heard of that before. See, if they keep doing this to everyone.....(sniff)....wait a

minute............(sniff....sniff).......Oh I smell it!........I smell a class action!!!!

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There's no special letter, I think you might need to solicit a lawyers help if your going to subpeona the info from them. But I don't think we should have to do this. Ya see, they have just covered their butts according to the law by providing name (only of the company though), address and phone number from where they received the info.

OK, in all seriousness, I can see what we're gonna have to do here to get EQ to quit blowin' smoke. We're gonna have to write a letter to Mr. Lefevre at the FTC and ask him about this, based on the FCRA.

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I don't believe the language of the law is at all ambiguous or obscure. The particularly relevant parts were italicized by me:

"Section 611

(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."

It says a description of the procedure including the name, address and maybe phone number. It does not say give the consumer the name, address and phone number and you are done.

As my mom used to say, these guys are getting too big for their britches!

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