Senior Contributor
Posts: 4,635
Registered: ‎03-11-2007
Re: Some of the Lesser Known Evils
The FACTA changes to FCRA say you are entitled to a free copy of your CR once every 12 months, and it stipulates that the LKEs must also comply.
(a)(1)(A)All consumer reporting agencies described in subsections (p) and (w) of section 1681a of this title shall make all disclosures pursuant to section 1681g of this title once during any 12-month period upon request of the consumer and without charge to the consumer.
(p) Consumer Reporting Agency That Compiles and Maintains Files on Consumers on a Nationwide Basis. - The term "consumer reporting agency that compiles and maintains files on consumers on a nationwide basis" means a consumer reporting agency that regularly engages in the practice of assembling or evaluating, and maintaining, for the purpose of furnishing consumer reports to third parties bearing on a consumer's credit worthiness,(!4) credit standing, or credit capacity, each of the following regarding consumers residing nationwide:
(1) Public record information.
(2) Credit account information from persons who furnish that information regularly and in the ordinary course of business.
(w) Nationwide Specialty Consumer Reporting Agency. - The term "nationwide specialty consumer reporting agency" means a consumer reporting agency that compiles and maintains files on consumers on a nationwide basis relating to -
(1) medical records or payments;
(2) residential or tenant history;
(3) check writing history;
(4) employment history; or
(5) insurance claims.
I sent an Email off to a couple of 'em. Think I'm gonna try and probe some of 'em. See what sort of responsiveness I get. Maybe I can hunt up a trophy suitable for deposit, not mounting.