First of all, I am on the verge of suing using 623 DF attacks based on my previous threads. But as of this posting, I have not, so I want you to understand that while I have had some OC (and CA) TLs removed using this process, it has not (yet) escalated to courts. Hopefully someone will come along and add their court POV using 623. I have downloaded some cases based on it, but would love to hear first hand reports.
Secondly, here are the related threads I think is handy for you to reference.
link to 623 : http://www4.law.corn...81---s002-.html
disputing with OCs : http://creditboards....s...asc&start=0 (esp post 9 by Sassy)
more discussion on 623 (starts p4) : http://creditboards....s...3721&st=120
dixie's thoughts on OCs : http://creditboards....?showtopic=3236
for disputed TL's that are reporting differently between the bureaus: http://creditboards....?showtopic=4128
more on disputing with furnishers (thanks again Sassy) : http://creditboards....?showtopic=4138
if you want to take the discussion deeper, is the court a DF? : http://creditboards....s...c=55986&hl=
jen (mine) thoughts on using 623 in combination with the 1-2 punch : http://creditboards....s...=341108&hl=
LKH / Sassy discussion on 623 : http://creditboards....showtopic=18703
FTC responsibilities of furnishers : http://www.ftc.gov/o...es/2furnshr.htm
by knight : http://creditboards....howtopic=343983
know thy state laws : http://creditboards....s...c=34830&hl=
abbreviated versions of 623 letters I've used : http://creditboards....howtopic=379223
there are probably more, but those are my bookmarked ones on this laptop.
Common questions are :
Is 623 actionable by consumers?
How do I invoke a 623 dispute?
How is a 623 dispute different from a "normal" DV (FDCPA)?
What other questions are there on 623?
Edited by Jen23514, 04 February 2009 - 12:54 AM.