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Prescreened Consumer Offers To Those In Default

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This remains persistently irksome, Prescreened Consumer Offers to consumers where a pre-existing relationship existed, but ended badly, while disputes, open/closed, go unresolved.

 

Yet to be found in a compliance manual on this end, are the rules regarding this "taunting" within the scope of FCRA compliance and adherence. 

 

Any pointers and/or references? 

 

Report deletion leverage?

 

Forward to CRAs, OC, or Regulatory Bodies?

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There are PLENTY of issuers that provide new accounts to those who previously walked an account.  There is no 'taunting' and no illegality. 

 

Your only real recourse is to opt out on all of the bureaus.  That will stop the prescreened offers after a period of time.  Data currently held will result in offers for a good six to eight months though...

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On 2/18/2019 at 7:13 AM, hegemony said:

oh the humanity!

Get this, Charlie; get this, Charlie! It's fire... and it's crashing! It's crashing terrible! Oh, my! Get out of the way, please!

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On 2/18/2019 at 10:13 AM, hegemony said:

oh the humanity!

 

On 1/8/2020 at 5:22 PM, hegemony said:

Get this, Charlie; get this, Charlie! It's fire... and it's crashing! It's crashing terrible! Oh, my! Get out of the way, please!

Look at that flaming N**i gasbag burn....

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On ‎2‎/‎17‎/‎2019 at 11:44 PM, Quando.Joy said:

This remains persistently irksome, Prescreened Consumer Offers to consumers where a pre-existing relationship existed, but ended badly, while disputes, open/closed, go unresolved.

 

Yet to be found in a compliance manual on this end, are the rules regarding this "taunting" within the scope of FCRA compliance and adherence. 

 

Any pointers and/or references? 

 

Report deletion leverage?

 

Forward to CRAs, OC, or Regulatory Bodies?

 

These pre-screened offers don't come directly from potential creditors. They come from CRAs that generate the lists. These pre-screened lists are mailed through a third party, not the creditors.

 

They are not taunting you,

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On 2/18/2019 at 3:44 PM, Quando.Joy said:

This remains persistently irksome, Prescreened Consumer Offers to consumers where a pre-existing relationship existed, but ended badly, while disputes, open/closed, go unresolved.

 

Yet to be found in a compliance manual on this end, are the rules regarding this "taunting" within the scope of FCRA compliance and adherence. 

 

Any pointers and/or references? 

 

Report deletion leverage?

 

Forward to CRAs, OC, or Regulatory Bodies?

 

The only options your normal, intelligent individual has are:

 

1.  Be an adult;

   a. Accept them; or

   b. Ignore them (Opt-Out works).

2. Be a baby;

   a.  Cry about it; and / or

   b. Tell mommy.

 

I believe you are leaning towards (2).  

 

Edited by PotO

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