topic Re: UDF in General Credit Topics

UDF

Jaxavier — Sat, 27 Apr 2013 15:33:20 GMT

Is it possible to get a copy of a UDF sent to CRA, from the CRA?

Re: UDF

Jaxavier — Sun, 28 Apr 2013 01:30:15 GMT

Anyone?

Re: UDF

jsucool76 — Sun, 28 Apr 2013 05:14:11 GMT

What exactly is a udf?

Re: UDF

Jaxavier — Sun, 28 Apr 2013 14:14:33 GMT

UDF=Universal Data Form.

Method of transmitting data from a creditor to a Credit Reporting Agency

Re: UDF

Countingpennies — Sun, 28 Apr 2013 18:11:18 GMT

What are you trying to accomplish?

Re: UDF

Jaxavier — Sun, 28 Apr 2013 18:22:37 GMT

Proof DF did not report x on specific date, but rather y, and x was only reported after ITS received.

Re: UDF

RobertEG — Sun, 28 Apr 2013 19:51:07 GMT

FCRA 611(a)(B)(iii) and 611(a)(7), commonly called a Method of Verification request, provides that, upon request, "a description of the procedure used to determine the accuracy and completeness of the iformation shall be provided to the consumer, including the business name and address of any furnisher of information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available."

The UDF is the initial form sent to the furnisher under e-Oscar in fulfillment of the CRA requirement to provide a copy of the dispute to the furnisher, so under sectio 611(a)(7), you can request that document from the CRA.

Under the statute, the furnisher is required to respond back to the CRA within the CRA's reinvestigation period, providing their verification, correction, or deletion of the disputed information. They use the same UDF in their response. So I would suppose that a copy of their response UDF could also be requested under the MOV process, although the statute only makes specific reference to the CRA contact with the furnisher.

As an alternative, FCRA 609(a)(1) requires that, upon request from the consumer, the CRA must provide "all information in the consumer's file at the time of the request....", so a request under section 609(a)(1) would also apparently be a path. Such requests require a fee payable to the CRA, which is currently $11.00.

Re: UDF

Jaxavier — Sun, 28 Apr 2013 21:21:06 GMT

****FCRA 611(a)(B)(iii) and 611(a)(7), commonly called a Method of Verification request, provides that, upon request, "a description of the procedure used to determine the accuracy and completeness of the iformation shall be provided to the consumer, including the business name and address of any furnisher of information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available."***

Would this work in my case? Meaning, there was no dispute initiated through the CRA but rather a DVL sent to the CA along with a complaint filed. DF first updated account (via UDF, I suppose?) by continuing collection activity (i.e. updating dates, increasing balances).....short time later same DF sends another UDF requesting deletion. All was done within initial 30 days as described in section 809 of FDCPA.

******The UDF is the initial form sent to the furnisher under e-Oscar in fulfillment of the CRA requirement to provide a copy of the dispute to the furnisher, so under sectio 611(a)(7), you can request that document from the CRA.

Thank you for the information...question though....611(a)(7) seems more geared toward if a a TL comes back verified and not deleted, in this case. Would this still work in this case?

*****As an alternative, FCRA 609(a)(1) requires that, upon request from the consumer, the CRA must provide "all information in the consumer's file at the time of the request....", so a request under section 609(a)(1) would also apparently be a path. Such requests require a fee payable to the CRA, which is currently $11.00.*****

"all information in the consumers fie at the time of the request" ....is this, in other words, just a credit report?

Thanks again for your assistance.

Re: UDF

RobertEG — Mon, 29 Apr 2013 06:54:11 GMT

"All information of record" provides the consumer the ability to request a specific item.

Clearly identity the requested item, and provided the CRA retains a UDF after recording the outcome, they are required to provide a copy.