So, they will eventually be dealing with CAs?
yes, they are starting to supervise the larger CA's and in the future you should be able to file complaints against any CA.
right now - you can file a complaint against a CA regarding credit reporting.
Consumer Financial Protection Bureau
Started by
ICANHASMUNY?
, Feb 04 2011 10:56 PM
56 replies to this topic
#51
ICANHASMUNY?
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Posted 06 November 2012 - 05:51 AM
yes, they are starting to supervise the larger CA's and in the future you should be able to file complaints against any CA.
right now - you can file a complaint against a CA regarding credit reporting.
#52
Posted 20 November 2012 - 05:46 PM
The CFBB is the absolute BOMB! Literally! I filed a complaint on 11/14 and just received a resolution - barely 7 days later! The CRA has deleted the account as requested. I am just so grateful. This was one that I had tried several times on my own, writing letters, calling, online, quoting all kinds of legalese, and now its gone. What a great Thanksgiving blessing!
#53
Posted 23 November 2012 - 12:46 PM
Do I have to write the CRAs in regards to a particular CA first before I can sic the CFPB on same bogus reporting CAs on my reports?
#54
Posted 26 November 2012 - 10:19 AM
Do I have to write the CRAs in regards to a particular CA first before I can sic the CFPB on same bogus reporting CAs on my reports?
I would dispute with the CRAs first... one of the questions the CFPB complaint form asks is if you disputed and what the result was. They will also ask you for any proof you may have to support your complaint (like say you were promised a PFD in writing and they didn't delete... scan and upload that letter with your complaint). Try to get anything you can in writing.
#55
Posted 26 November 2012 - 02:34 PM
So, they will eventually be dealing with CAs?
yes, they are starting to supervise the larger CA's and in the future you should be able to file complaints against any CA.
right now - you can file a complaint against a CA regarding credit reporting.
How do you file a complaint against a CA. Do you use the CRA section?
#56
ICANHASMUNY?
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Posted 26 November 2012 - 08:03 PM
So, they will eventually be dealing with CAs?
yes, they are starting to supervise the larger CA's and in the future you should be able to file complaints against any CA.
right now - you can file a complaint against a CA regarding credit reporting.
How do you file a complaint against a CA. Do you use the CRA section?
Yes - the CRA is required under the FCRA to report information accurately, not just parrot what the CA tells them - they have to perform a "reasonable reinvestigation"
Complaints to the CFPB regarding inaccurate CA reporting should be reserved serious violations -
an account that isn't yours, or that the account was previously settled, Paid in full or ID theft related and both CA and the CRA refuse to remove,
and you've already disputed it with supporting documentation or requested Blocking of the accounts in a FACTA letter to the CRA's fraud Dept, and they refuse to block or remove the accounts,
Then you file a complaint with the CFPB against the CRA for failure to perform a reasonable reinvestigation of your dispute.
otherwise, stick to 623 letters and the BBB or the state regulatory agency regarding CA complaints. <br><br>
#57
Posted 09 January 2013 - 05:53 PM
Kudos to ICANHASMUNY for starting this vitally important thread, and answering all these questions for the past two years.
Bravo!!!
Bravo!!!
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