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He is likewise denied credit on a couple occasions which he suspects resulted from the same disparaging describing.

Consumer A starts religiously checking his credit report, and discovers that now the account is being furnished by another collection company, Viper, Inc., and the account number has changed again, this time to 732******. Our consumer becomes 3 free credit report Kansas by this point very discouraged.

but they are just as nasty and, if anything, more venomous than Pit Bull. At this point Consumer A finds an attorney firm that will take his case and initiate a lawsuit on his behalf.

Among other things, the Complaint accuses the remaining CRA of a reinsertion violation. What the CRA had done in this example was willfully and negligently violated the reinsertion requirements of 15 U.S.C. free credit report no fee Section 1681i(a)(3 free credit report Kansas 5)(B) in reinserting derogatory information onto plaintiffs credit report after he had previously disputed it, without certification or notice.

(Even though the account totalled maintaining changing, it was still the same account being referred to all along. The CRA in oppugned deleted, then reinserted the same account without notifying Consumer A, a no-no.) After the account is deleted and then reinserted, the CRA fails to notify Consumer A within 5 business days that they are re-inserting the account information. best free credit report website

The ironic twist to all this is that the CRA then argues that the reinsertion of the account was not their fault because it had a different account number, and how are they supposed to know that it was the same account?

It was the CRAs own regulations, or lack thereof, that allowed the reinsertion to occur. The CRA argued that if they had known it was the same account, then they wouldnt 3 free credit report Kansas have reinserted it, and yet the CRA is the one who allowed Pit Bull, and Viper, Inc., and whichever entities came afterwards, to keep changing the account number on the same account; in dead, in effectively disguising 3 free credit report Kansas it from the CRAs computer which only matches identities, not similarities or differences. It is bad enough that the CRAs frequently take the word of disreputable or highly questionable collection entities over that of disputing consumers (See earlier article, The Seamier Side of the Credit Reporting Business) it is unconscionable that the CRAs allow collection entities to in effect cloak 3 free credit report Kansas the identity of accounts even from themselves, the CRAs, and then blame it on the same system that they helped create! www.free-annual-credit-report.com