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Can a CRA be a "furnisher" of information

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In my talks w/EX today about how they verify public records the woman said something to me that kinda struck me as weird. I asked her, if the courts don't report on my CR, how does the information about public records make it's way to the CR's? Her answer is the public records search. Now I don't know what search she is talking about but I assume she meant the internet. I've also been told they have reps that pull public records for their respective CRA and put them on the CR. Well, if they are pulling public records and inserting them into a person's CR, aren't they considered a "furnisher of information" and therefore become liable under the FCRA? I then asked the EX rep if they are required to inform a consumer if they are inserting negative info on their CR. Her answer, "it's just like when a creditor puts neg. info on your report". SO, are they creditors or CRA's? You can't be both. The only thing that I think might save their sorry A$$ is the "financial institution" statement. Any inputs?

(7) Negative Information

(A) Notice to Consumer Required

(i) In general. If any financial institution that extends credit and regularly

and in the ordinary course of business furnishes information to a consumer

reporting agency described in section 603(p) furnishes negative

information to such an agency regarding credit extended to a customer,

the financial institution shall provide a notice of such furnishing of

negative information, in writing, to the customer.

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Plus they aren't furnishing the information, they are simply reporting what is in the public record.

Actually, it's usually a third party reporting what's in the public record, and there are errors in what's reported. It's been interesting to hear people argue about that (and I definitely would argue if the data were wrong), but it's not something where you can get them on a technical violation.

Reporting that you filed BK when you didn't, though, that's something I'd pursue.

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I don't want to get them on violations. I would just like to see them held accountable for the information the way most creditors are. If they take it upon themselves to compile and report "public records", they need to be held accountable for the information and be treated as a furnisher. I don't see anyone regulating the CRA as closely as the rest. They seem to be able to just randomly put stuff on your CR and it takes an act of Congress to prove to them they're wrong. I'm just frustrated w/my situation and want to vent. I hit the wall of bureaucracy at about 100 mph today and I'm a little disheartened. Not to mention, my wife and kids are tired of my ranting about stupid CRA's and public records.

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