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Casper

Are 609 letters legit?

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I've read a lot about them, and some people swear by them, while others say they will backfire on you.

Are you really putting the CRA's on the spot by asking them for something they don't have?

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17 hours ago, Casper said:
 

I've read a lot about them, and some people swear by them, while others say they will backfire on you.

Are you really putting the CRA's on the spot by asking them for something they don't have?

The 609 dispute “secret” is bogus.  Under § 609 (U.S. Code 1681g), CRAs have to disclose information it has on file.  It cannot disclose information it does not have.  The proponents (scammers) of that method suggest that CRAs must send a copy of a signed contract in order to verify information on a credit report.  That is not true.  In fact, not every account requires a signed contract.  A credit card is an example of one for which no signature required.  Notice those scammers never provide any supporting statute or case law that shows only a signed contract can verify information.  

A "consumer's file includes `all information on the consumer that is recorded and retained by a [consumer reporting agency] that might be furnished, or has been furnished, in a consumer report on that customer." Shaw v. Experian Info Sols. Inc., 891 F.3d 749, 759 (9th Cir. 2018).  Appellants received complete copies of their consumer reports. They are not entitled by the FCRA to information that is not in their report, and they fail to identify what information Experian improperly excluded from its disclosures. Shaw, 891 F.3d, at 760.

In addition, the scammers fail to understand that consumers bear the burden of proving their allegations,  If a consumer claims his report contains inaccurate information, he must prove it.  The same goes for a claim that a CRA did not conduct a complete or satisfactory investigation. 


 

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