Author Topic: hello,boards. question about OC and FCRA  (Read 1319 times)

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emacee

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hello,boards. question about OC and FCRA
« on: March 02, 2012 06:37:19 PM »
 Hello,   I have been learning and preparing to clean up my CR from the forum.

 I have sent VAL letters to CA's  ,   DISP to OC and CRA"s.

 After 2-3months, the picture is developing in my CR.

 I  must  ask a question about an OC and it's obligation to MARK THE ACCOUNT IN DISPUTE.

 In my CR, the OC  , in response to my DISP letter, has entered this comment:

"Account information disputed by consumer"


 Do you guys think i still have a claim for FAILING TO MARK THE ACCOUNT IN DISPUTE under fcra?



 
« Last Edit: March 02, 2012 06:48:20 PM by emacee »

Admin4184

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Re: hello,boards. question about OC and FCRA
« Reply #1 on: March 02, 2012 06:39:50 PM »
Text message style postings are unacceptable.

Proper capitalization and punctuation are required for posting at Debtorboards.

If you are posting from a mobile device, and are unable to comply, wait till you get to a normal keyboard.

Your cooperation is expected.

KFMAN

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Re: hello,boards. question about OC and FCRA
« Reply #2 on: March 02, 2012 07:07:35 PM »
Hello,   I have been learning and preparing to clean up my CR from the forum.

 I have sent VAL letters to CA's  ,   DISP to OC and CRA"s.

 After 2-3months, the picture is developing in my CR.

 I  must  ask a question about an OC and it's obligation to MARK THE ACCOUNT IN DISPUTE.

 In my CR, the OC  , in response to my DISP letter, has entered this comment:

"Account information disputed by consumer"


 Do you guys think i still have a claim for FAILING TO MARK THE ACCOUNT IN DISPUTE under fcra?
No

Litigious? Read this first
     http://www.debtorboards.com/index.php/topic,7215


emacee

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Re: hello,boards. question about OC and FCRA
« Reply #3 on: March 02, 2012 07:44:18 PM »
I read it.

So, I have no complaint because the comment in my CR by the OC has met  the FCRA requirements?
« Last Edit: March 02, 2012 07:51:49 PM by emacee »

KFMAN

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Re: hello,boards. question about OC and FCRA
« Reply #4 on: March 02, 2012 08:00:04 PM »
I read it.

So, I have no complaint because the comment in my CR by the OC has met  the FCRA requirements?
See thread above.

1 - The Law says conduct X is prohibited.
What does FCRA say?

emacee

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Re: hello,boards. question about OC and FCRA
« Reply #5 on: March 02, 2012 09:04:46 PM »
 The fcra says  :

      " Duty to provide notice of dispute. If the completeness or accuracy of any information
furnished by any person to any consumer reporting agency is disputed to such
person by a consumer, the person may not furnish the information to any consumer
reporting agency without notice that such information is disputed by the consumer. "
 
Would not the OC's comment in my CR indicate

failure to inform the National Credit Reporting Agencies that the alleged account is in dispute?

KFMAN

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Re: hello,boards. question about OC and FCRA
« Reply #6 on: March 02, 2012 10:23:29 PM »
See Reply #3.  The reason you have to dispute with the CRA's is to give them a chance to correct any inaccurate information.  They corrected it by marking it in Dispute, so what would you sue them on? 

See below:

Litigious? Read this first
     http://www.debtorboards.com/index.php/topic,7215


emacee

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Re: hello,boards. question about OC and FCRA
« Reply #7 on: March 02, 2012 11:11:31 PM »
See Reply #3.  The reason you have to dispute with the CRA's is to give them a chance to correct any inaccurate information.  They corrected it by marking it in Dispute, so what would you sue them on? 

See below:

Litigious? Read this first
     http://www.debtorboards.com/index.php/topic,7215


No.  See,the CRA comes back and reports the alleged debt as valid.

It is the OC that is putting this comment: 

"Account information disputed by consumer"

into my CR.

Admin4184

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Re: hello,boards. question about OC and FCRA
« Reply #8 on: March 02, 2012 11:17:16 PM »
The fcra says  :

      " Duty to provide notice of dispute. If the completeness or accuracy of any information
furnished by any person to any consumer reporting agency is disputed to such
person by a consumer, the person may not furnish the information to any consumer
reporting agency without notice that such information is disputed by the consumer. "
 
Would not the OC's comment in my CR indicate

failure to inform the National Credit Reporting Agencies that the alleged account is in dispute?




No.  See,the CRA comes back and reports the alleged debt as valid.

It is the OC that is putting this comment: 

"Account information disputed by consumer"

into my CR.

You are expected to follow proper English composition, which includes proper formatting.

It appears that you are planning litigation. It is incumbent upon you to follow the standards of the court system.

It's also incumbent upon you to follow the standards at Debtorboards, or your posts will be moderated, and any that do not comply will be deleted before posting.

emacee

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Re: hello,boards. question about OC and FCRA
« Reply #9 on: March 02, 2012 11:35:34 PM »
 Ok.  I dont know what you want.  Sorry.

 My grammar is fine and my spelling is good.

 I just don't know what you're warning me about.

 I've read and watched. I doublespace.   
 
 Others posts are similar to mine.  I don't know.


 

KFMAN

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Re: hello,boards. question about OC and FCRA
« Reply #10 on: March 02, 2012 11:37:02 PM »

No.  See,the CRA comes back and reports the alleged debt as valid.

It is the OC that is putting this comment: 

"Account information disputed by consumer"

into my CR.
Why can't they report it as valid, if it truely is valid?

Did you dispute the alleged debt?  If so then why wouldn't their TL state that? 

Admin0248

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Re: hello,boards. question about OC and FCRA
« Reply #11 on: March 02, 2012 11:38:50 PM »
If you try to trick the system by putting in line feeds to format your posts, it can result in bizarre formatting on the screens of others whose settings are not identical to yours.

The software has it's own wrap-around function.  Let the system do the work.


KFMAN

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Re: hello,boards. question about OC and FCRA
« Reply #12 on: March 02, 2012 11:39:14 PM »
Ok.  I dont know what you want.  Sorry.

 My grammar is fine and my spelling is good.

 I just don't know what you're warning me about.

 I've read and watched. I doublespace.   
 
 Others posts are similar to mine.  I don't know.
See the Terms of Service you agreed to when becoming a member here.

emacee

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Re: hello,boards. question about OC and FCRA
« Reply #13 on: March 02, 2012 11:42:08 PM »
I type by hand.   I use no software at all.   I think maybe you want my lines to be longer.

I might be catching on.

emacee

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Re: hello,boards. question about OC and FCRA
« Reply #14 on: March 02, 2012 11:51:18 PM »
Why can't they report it as valid, if it truely is valid?

Did you dispute the alleged debt?  If so then why wouldn't their TL state that?



Yes. I first validated with the CA.   I then disputed with the CRA.  Lastly, I disputed with OC.

The CRA says the alleged debt is valid.    The CA did validate with statements.(credit card)

The OC puts TL in CR as       "Account information disputed by consumer"