Certainly IF there is an incorrect information that is being reported, then yes there is a violation. However, as to what you can do about it other than dispute it, you could try to contact the OC and get them to correct this and let them that you have disputed it and the incorrect information is being verified as valid and this is a violation of the FCRA. They have 30 days to investigate, correct and get back to you. Then go from there.
@abadfish66 wrote:
Sorry, don't quite follow you. Are you saying there is no violations? and why would I contact the OC when this is reported by the CA. By the letter I showed from EQ, It says the CA has verified with EQ. Do I now ask for EQ to provide their method of investigation?
No, I am not saying that. I am saying that if there is incorrect information being reported, then there IS a violation indeed. Remember that when a CRA "verifies" information, they don't always contact the creditor like alot of people think. Sometimes they use electronic systems like eOSCAR to verify the information. Now this system is inherently flawed as it casts a wide net because the "problem" code is subjectively reduced by the CRA's agents into a 2 digit code that is sent to the creditor and gets a yes/no response. So depending on HOW it was coded and as what, the wrong information will come back as verified and it might not even be yours if your name is common enough to be mistaken with someone else. You can deman that the CRA do a proper verification in your request but they don't have to and often don't listen and ignore you and do it their way, especially Experian. So in these cases, it is sometimes easier to get the OC to correct the information and submit it correctly to the CRA and that will relieve your headache of going in circles with the CRA and ultimately being labeled as frivilous even. Hope that clears it up for you. Good luck.
@abadfish66 wrote:
Ok, it makes sense that it more than likely is just one computer talking to another to verify information, still confused on one thing though, you say it is sometimes easier to get the OC to correct the information and submit it correctly to the CR. You do mean the CA and not the OC right?
No I mean the original creditor (as long as it is not in collection) if its in collection then yeah the CA (collection agency). I assumed this was the original creditor as I didn't recognize the name, if its a collection agency then I apologize, it would be the CA that you would contact.