Summary of Rights and Notices of Duties under the Fair Credit Reporting Act, Project No. P105408 #00003 

Submission Number:
00003 
Commenter:
Roger Harford
State:
Florida
Initiative Name:
Summary of Rights and Notices of Duties under the Fair Credit Reporting Act, Project No. P105408

Example of what MUST be fixed. All 3 CRA's report public records as being reported by the Courts. This is WRONG. The courts don’t report to CRA. Mine shows Bankruptcy filed with zero assets and zero liabilities??? The address for data furnisher is a city park in Tampa. Filing # is incomplete. I Have disputed several times as " name of actual data furnisher is missing, data is incomplete. I Have also sent copy of RCP showing what a real Bankruptcy filing # should be. ALL 3 CRA's refuse to correct and give accurate info. How can I dispute with the courts when they say they don't report. How about Dolan-Lexis as furnisher??? Make them fix this. If they are going to report it must be 100% accurate and complete. I have sent a letter from the Bankruptcy court stating they don't report, and it was ignored by all 3 CRA's. How can I dispute with someone or something that does not exist?? This is just a big game the CRA's play trying to keep their income up while causing financial damage to consumers. All these "disclosures" on reports are ineffective and a waste of time. Just something else for lawyers to play with. We, the consumer need a right of action against the CRA's and the data furnishers with meaningful clout. Example, instead of $1000 per action it should be $5000 per violation!!! Then perhaps things would balance out much better and force the CRA's to report correctly and not just blow off the consumer, knowing there is not much we can do. Thanks for listening and I hope someone there will help. Elizabeth Warren would be an excellent source of information. She is very familiar with all the crap the CRA's pull.