I've had communications with the Consumer Protection division myself and haven't been too impressed with them.
Everything you said is what i thought! I was just shaking my head when i was talking to her, she really has no clue of the law except what the FCRA state about 7 year reporting. I was really blown away when she said SOL was 4 years! Us Ficoholics know more than they do! Its sad but true! Lol!
Yeah, they didn't seem like they were too on the ball when I contacted them. I filed a complaint because I had a CA on my reports that wasn't licensed to collect in NC (which is a felony). I had sent several letters to which they (the CA) responded they weren't doing anything wrong. I tried CRA disputes, but they just kept verifying. So I followed through on my threat to file complaints (FTC, the AG of their state, the NC AG, the BBB, and the OC) and started working on my lawsuit.
I got a letter back from the consumer protection people saying they'd forwarded my complaint to the CA and they included a copy of the letter they sent to the CA, which basically said a complaint has been filed, you have X amount of days to respond. I got looking at the letter and realized they had sent it to the wrong CA, similar name but a completely different state. So I called to get it straightened out and had to argue with the lady who insisted they had sent it to the CA I identified in my letter. Obviously they hadn't even bothered to investigate my complaint because the CA they sent it to is licensed, while mine isn't.
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