Customer service reps - do they even know the FCRA

[bluealex915]

I was just up late thinking about my court case with Experian which I will be trying to prove my case when I thought about this. Anyway, I was thinking of a way to show the judge how carefree the CRA's are with consumers information and the accuracy of that information.

I have heard that the run of the mill customer service rep at a CRA is at times minimum wage paid teenager answereing the phone. I have also heard that some of the CRA's are hiring customer service reps that are not even in the united states. Now Nothing against any person who works hard to make a living but if they are out of the country they should damn well know the united states law regarding consumer credit reporting laws.

It occured to me that someone who deals with the law (FCRA) should posses an above average knowledge of it. I mean do the CRA's even put these employess through any kind of legal training to familiarize them with the FCRA.

It is really a scary thought that the customer service rep who holds your financial future within the stroke of a key dosent even know the law inside and out. I think that there should be some federal guidlines that require these employees to attend at least a 20 to 40 hour class on the FCRA and then take a test to certify that they know what the hell they are doing. Now I am pretty sure just like any business Experian goes through a new employee orienation process but how much of that time is spent on getting the rep familiar with the FCRA.

I bet the reason so many consumers have problems when they call the CRA's is because about 8 out of 10 times the consumer is more educated in the FCRA then the rep themselves.

These folks are affecting peoples financial well being if they do not know 100% of the law and the legal ramification of it if they screw up. If these folks do not get some kind of formal training that would be like going to a lawyer that never passed the bar but still practices law.

I don't know, I was thinking that maybe I could throw this into my small claims case when I am infront of the judge, maybe it would make him think about it a little. Tell me what you all think about this.

Thanks....................

[DocDon]

Gotta agree with you there – somewhat….

Here’s the problem: the business of maintaining information in credit files is considered data processing. Give a chimp enough bananas, and he’ll probably do as close a job as some of the reps members here have dealt with. Given the move to put all disputes into a two-digit code, I'm surprised more primates aren't busting out of zoos to make better lives for themselves. The problem may not lie with the customer service reps…

The FCRA is a joke, and it’s treated like a joke. While it may make life easier to speak with somebody who’s been properly versed in the FCRA, they are still under the direction of supervisors, managers, and an executive staff, all of whom use the FCRA as toilet paper. Who made it a policy not to investigate inquiries in direct contradiction of the FCRA?

Add to that individuals whose business it is to know what’s going on there looking the other way, and no amount of proper training will make a difference.

In my opinion, of course….