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National Consumer Law Center report: Credit Bureau errors, Fair Credit Reporting Act


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I am in a dispute with one of the three major credit bureaus. In my research for case law and supporting documentation for what I believe are numerous FCRA violations, I came across this very helpful report from the National Consumer Law Center entitled:

 

"Automated Injustice: How A Mechanized Dispute System Frustrates Consumers Seeking To Fix Errors In Their Credit Reports."

 

The report breaks down the process by which Experian, Equifax and TransUnion handles consumer disputes for investigation or re-investigation, how and where they outsource the process to, the automated systems involved, non compliance issues with the FCRA, how banks largely parrot the credit bureaus poor process with a similar if not identical process thereby gaming a broken system, numerous case law examples, deposition testimony, and Congressional testimony that support the report's conclusions. I thought I would post and hope it provides useful info for others.

 

Please see:  http://www.nclc.org/images/pdf/pr-reports/report-automated_injustice.pdf

 

Also see: www.consumerlaw.org

 

Comments and thoughts are most welcome!

 

 
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