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Topics |
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Last Post |
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General Discussion
You can post general comments and questions here. We also strongly encourage you to read the folder topics below and read the informational postings in each folder. You are also encouraged to post questions in the other folders as well. Do not be afraid to post questions or information. There are no "stupid" questions and topic-related information is always welcome. Do not spam our site as we will remove it and block your IP, email address and possibly pursue legal action against you.
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952 |
2018 |
Fri Nov 21, 2008 5:15 am
Administrator  |
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How To Register For the Forum
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3 |
5 |
Thu Jul 05, 2007 6:08 am
Administrator |
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How Do I Find the Addresses and Agents For Service of Process for Lenders, Banks, Corporations, etc.
If you need help finding addresses for banks, these entities are often registered with the Office of Financial Institutions in your state. Other lenders, mortgage companies, credit card companies, etc., are listed in the Secretary of State's records. This folder will help you find the entities whether you need to send them a letter or have them served through their agent for service of process with legal papers.
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44 |
Wed Dec 05, 2007 11:09 pm
Administrator |
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News Stories on Identity Theft, Personal Data Thefts and Credit Reporting Abuses
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607 |
827 |
Thu Nov 20, 2008 10:45 pm
Administrator |
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Collection of Social Security Numbers
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29 |
45 |
Wed Oct 29, 2008 4:43 am
Administrator |
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Current Cases
What cases have been filed recently?
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38 |
45 |
Sun Jul 29, 2007 4:44 pm
Administrator |
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Quotes
This folder is for quotes by famous or infamous people about identity theft and credit reporting abuses. You may lift and use the quotes but we strongly advise that you check the source as we are in no position to verify the accuracy of the quotes shared by visitors to this site. [[Lawyer Disclaimer as usual]].
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88 |
Sat Sep 20, 2008 3:05 pm
Administrator |
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Lawyer Jokes
This Folder is intended to prove that we all can laugh at ourselves no matter how big our egos get!
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27 |
28 |
Tue Nov 18, 2008 9:31 pm
Administrator |
| Forum |
Topics |
Posts |
Last Post |
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Impermissible Access: 15 U.S.C. 1681b[f] and 1681q
Who can pull a credit report and when can they pull it.
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357 |
425 |
Wed Nov 19, 2008 5:34 pm
Administrator |
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Front End Duties of the Credit Reporting Agencies: 15 U.S.C. 1681e(b)
Maximum Possible Accuracy
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119 |
147 |
Tue Oct 21, 2008 3:02 am
Administrator |
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Back End Duties of the CRAs: 1681i[a]:
Reasonable Reinvestigation
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173 |
225 |
Tue Oct 21, 2008 3:02 am
Administrator |
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Credit Bureau's Duty to Provide Consumer Documentation to Furnisher: 1681i[a][2][B]
This Folder discusses issues pertaining to credit bureau reinvestigations with emphasis on the Agencies' duty to provide its furnishers with all relevant information and copies of documents supplied by the consumer as part of the dispute to the Agency
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18 |
Sun Jun 08, 2008 5:29 am
Administrator |
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Duty to Add a Consumer's Dispute Statement in Association with a Specific Account and In Connection with the Credit File/Report: 15 U.S.C. 1681i[c]
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27 |
28 |
Tue Jan 10, 2006 4:16 am
David A. Szwak |
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Furnisher FCRA Liability: 15 U.S.C. 1681s-2
Furnishers are those persons who report data to the credit reporting agencies
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214 |
298 |
Sun Nov 02, 2008 3:32 am
Administrator |
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Failing to Mark Contested Accounts As Disputed: 15 U.S.C. 1681s-2[a][3]
Obligation of the furnisher of credit data to advise the credit reporting agencies that the consumer has contested the subject account; a comment and flag is to be placed on the disputed account
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13 |
17 |
Mon Jul 02, 2007 5:07 pm
Packard |
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Obsolescence: When Must the Credit Reportings Come Off of the Credit Report: 15 U.S.C. 1681c
This Folder Examines the Differing Time Periods That the Various Types of Credit Data May be Retained in Your Credit File. The Related Re-Aging Folder Also Contained in This Forum Examines the Known, Deceptive Trade Practice of Tampering With the Reporting to Avoid Automated Purge Mechanisms at the Bureaus.
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32 |
Sun Mar 23, 2008 5:41 am
Administrator |
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Blocking of Information Resulting From ID Theft: 1681c-2
This folder discusses the requirement imposed to block data resulting from identity theft.
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6 |
7 |
Mon Jul 16, 2007 5:24 am
Administrator |
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Duty to Notate Disputed Accounts As Such: 15 U.S.C. 1681c[f]
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8 |
Mon Mar 05, 2007 1:53 am
Administrator |
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Adverse Action Notice Rules: 15 U.S.C. 1681m and ECOA
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70 |
89 |
Wed Nov 12, 2008 7:29 am
Administrator |
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Credit Solicitations Are Required to be Clear and Conspicuous: 1681m[d]
This forum addresses 15 U.S.C. 1681m[d] and the requirement in the FCRA that credit solicitations that you receive are required to be clear and conspicuous. Carefully consider whether you have a private right of action or whether the FTC or other governmental agencies must enforce this provision.
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42 |
Tue Mar 25, 2008 6:28 am
Administrator |
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Potential Exposure For Sanctions Due to Filing Bad Faith FCRA Cases: 15 U.S.C. 1681n[c], 28 U.S.C. 1927, and Fed.R.Civ.Proc. 11
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68 |
70 |
Fri Oct 24, 2008 5:33 pm
Administrator |
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Credit Repair Organizations Act [CROA]
Persons Performing Ilegal "Credit Repair" and Liability For Such Acts
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59 |
84 |
Wed Nov 12, 2008 7:21 am
Administrator |
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Disputed Items Cannot Be Re-Sold and Transferred: 1681m[f]
Historically, as soon as a consumer contested an account, the duped lender would try to sell it off to a debt collector or junk debt collector [or anyone willing to pay value] and such an event perpetuated the negative credit reporting. This folder examines the change, via FACTA of 2003, prohibiting the transfer, sale, assignment, etc., of a contested debt. 15 USC 1681m[f].
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8 |
Fri Apr 18, 2008 7:42 am
Administrator |
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Data Disposal Requirements Under FACTA of 2003
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2 |
3 |
Sat Sep 30, 2006 11:03 pm
Administrator |
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Furnisher-Debt Collectors Must Provide Consumer With Account/Application Information, Etc.: 15 U.S.C. 1681m[g]
This Folder examines the new duty under FACTA imposed upon furnishers/ debt collectors to supply the consumer-victim with a copy of the account information, including the application, account records, charge receipts, etc.
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3 |
Sun Jun 25, 2006 6:16 pm
Administrator |
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Establishment of New Guidelines: 1681s-2[e]
FACTA added section 1681s-2[e], calling for a duty on the part of the Federal banking agencies, the National Credit Union Administration, and the Commission to establish certain guidelines and prescribe regulations.
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1 |
3 |
Thu Oct 05, 2006 4:44 am
Administrator |
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Credit Reporting Agency Liability For Release of Data/Report Improperly
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3 |
5 |
Thu Sep 04, 2008 10:30 pm
Administrator |
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Consumer Reporting Agency's Liability For Wrongful Release or Sale of Information to Others: 1681b and 1681e[a]
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1 |
1 |
Tue Mar 27, 2007 6:09 am
Administrator |
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Failure to Truncate Credit Card Account Numbers: Private Right: 1681c[g]
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64 |
75 |
Tue Nov 11, 2008 7:41 am
Administrator |
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Credit Reporting Agency's Duty to Report/Disclose a Consumer's Dispute Related to a Specific Account
Section 1681c[f] requires credit reporting agencies to disclose to inquiring subscribers the fact that the consumer disputes a specific account/public record item, etc. [item of information on file]. This is a specific per item tag, in addition to the more generic [and useless] "consumer statement" right found in 1681g.
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8 |
Fri Oct 24, 2008 5:46 pm
Administrator |
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Credit Reporting Agency's Duty to Report a Closed Account as Closed
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3 |
5 |
Fri Jul 25, 2008 3:00 am
Administrator |
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Credit Reporting Agency's Duty to Notify Subscribers/Users of Corrections to Disputing Consumer's Credit Report/File
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1 |
1 |
Sat Apr 21, 2007 2:26 am
Administrator |
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1681b[g]: If Report Contains Medical Info, Must Have Consumer's Written Consent to Access
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1 |
3 |
Sun Jun 17, 2007 9:56 pm
Administrator |
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Requirement to Add Fraud Alert: 1681c-1
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2 |
3 |
Mon Jul 16, 2007 5:29 am
Administrator |
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Credit Freeze Laws
This "freeze" differs from Offline and VIP statuses [greatest level of protection] and also differs the perfunctory "security alert," "7 year fraud alert" and the most useless "consumer statement."
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12 |
Sun Jun 08, 2008 5:19 am
Administrator |
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Requirement to Report Specified Data Fields in the Metro Tape Sequence
What happens if the creditor or credit bureau fails to report your high credit limit or certain other specific data fields in your account? The creditors and credit bureaus have purposefully manipulated the reporting process to your detriment. Often times, it is an effort to make you a captive debtor, ie., no other lender will give you credit because your ratios are skewed and your credit score is adversely impacted so you cannot escape the creditor's grip.
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1 |
Sat Aug 18, 2007 4:59 pm
Administrator |
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Furnisher's Front End Negative Information Reporting Notice Required Under FACTA Amendment to the FCRA
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2 |
2 |
Sun Sep 02, 2007 11:16 pm
Administrator |
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1681e: Credit Reporting Agencies' Duties in Signing Up Furnishers and Report Buyers
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1 |
1 |
Sat Sep 22, 2007 6:17 pm
Administrator |
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Employer's Access to Credit Reports For Employment Purposes
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18 |
Thu Nov 22, 2007 8:04 am
Administrator |
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1681g: Credit Bureaus' Duties to Provide Reports/Disclosures and to Add 100 Word Statements of the Consumer
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2 |
2 |
Fri Apr 18, 2008 6:58 am
Administrator |
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Affiliate Sharing Problems and Violations
15 U.S.C. 1681s-3
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3 |
6 |
Sun Sep 07, 2008 7:29 am
Administrator |
| Forum |
Topics |
Posts |
Last Post |
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Credit Errors
Get information and post information on credit report errors not involving theft of identity.
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58 |
84 |
Sat Oct 18, 2008 11:24 pm
Administrator |
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Theft of Identity
Get information and post information on theft of identity issues.
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216 |
302 |
Tue Nov 18, 2008 5:13 am
Administrator |
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Mixed File Cases
Father-Son, Mother-Daughter, Junior-Senior-Trey [Generational Designators], Common Names, Variations on Social Security Numbers and Other Mixed File Issues
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55 |
84 |
Wed Jun 18, 2008 10:56 am
Administrator |
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Re-Aging: Debt Collector's Efforts to Revive Obsolete Reportings
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30 |
41 |
Mon Oct 20, 2008 9:52 pm
Administrator |
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Reinsertion of Previously Deleted Data: How and When Can It Happen?
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29 |
29 |
Thu Mar 15, 2007 5:47 am
Administrator |
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VIP Databases and Offline Status
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7 |
12 |
Sun Oct 14, 2007 9:46 pm
Administrator |
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Deceased Reporting Cases
This Folder Examines Those Cases Where the Credit Reporting Agencies [or Furnishers] Report You as Deceased When You Are Plainly Alive
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12 |
Tue Dec 05, 2006 2:39 am
Administrator |
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Medical Collections and Credit Reporting Issues
This Folder is designed to address issues specific to the collection and credit reporting of medical collection accounts. Special privacy concerns, HIPAA coverage and improper collection of charges covered by insurance and other benefits are somewhat unique to medical and related collections and reportings.
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43 |
Fri Mar 21, 2008 5:26 am
Administrator |
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Violations of the Automatic Stay and Discharge Order[s] By Credit Reportings
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65 |
80 |
Mon Aug 04, 2008 5:42 am
Administrator |
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Duplicated Trade Lines Reporting: What Causes It?
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1 |
1 |
Wed Aug 09, 2006 6:27 pm
Administrator |
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Settled For less Than Full Amount: How is that to be Reported?
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2 |
2 |
Fri Aug 25, 2006 2:47 pm
Administrator |
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Credit Reporting of Unliquidated Claims, Speculative Claims and Unenforceable Claims
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1 |
2 |
Sat May 26, 2007 3:35 am
Administrator |
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Landlord-Tenant Credit Reporting Issues
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6 |
8 |
Tue Aug 28, 2007 9:22 pm
Administrator |
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Check Reporting Agencies
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24 |
34 |
Wed Jan 30, 2008 8:47 am
Administrator |
| Forum |
Topics |
Posts |
Last Post |
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Damages Under FCRA
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161 |
228 |
Tue Nov 04, 2008 6:51 am
Administrator |
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Punitive Damages: 15 U.S.C. 1681n
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96 |
166 |
Tue Mar 25, 2008 6:41 am
Administrator |
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Punitive Damages, 1681n, and Willfulness Post-Safeco Decision by SCOTUS
The Supreme Court in Safeco corrected a long-standing trend of misinterpreting the definition of willfulness by some courts. There were several lines of cases, pre-Safeco. This folder examines the definition of willful and willfulness under the FCRA which are part of the burden of proof to impose punitive damages.
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50 |
79 |
Sun Nov 02, 2008 3:19 am
Administrator |
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Injunctive Relief: FCRA and State Law
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52 |
72 |
Sun Jul 27, 2008 9:21 pm
Administrator |
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Attorneys' Fees, Litigation Expenses and Costs:
When Can You Recover Them and How? Costs Under 28 USC 1920, Expert Witness Fees, and Other Non-Damage Awards;
Recoverable Costs Are Governed by 28 USC 1920 however Expert Witness Fees Are Not. There are various non-damage awards that you need to understand and how to seek them.
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64 |
95 |
Sat Aug 16, 2008 7:12 am
Administrator |
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Declaratory Relief Under the FCRA
Can you pursue private rights to declaratory judgments and relief under the FCRA?
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10 |
10 |
Sun Jul 27, 2008 9:25 pm
Administrator |
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Costs Under 28 USC 1920, Expert Witness Fees, and Other Non-Damage Awards
Recoverable Costs Are Governed by 28 USC 1920 however Expert Witness Fees Are Not. There are various non-damage awards that you need to understand and how to seek them.
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13 |
14 |
Tue Oct 21, 2008 3:02 am
Administrator |
| Forum |
Topics |
Posts |
Last Post |
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FDCPA Statute And Amendments: 15 U.S.C. 1692, et. seq.
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14 |
21 |
Sat Oct 13, 2007 3:48 am
Administrator |
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Electronic Funds Transfer Act: Debit Card Transactions
The main federal law governing debit card transactions is the Electronic Funds Transfer Act. This Folder examines that Act and your rights under that law and related laws governing debit card transactions.
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7 |
7 |
Mon Aug 25, 2008 3:15 am
Administrator |
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Equal Credit Opportunity Act
The ECOA is an important consumer protection law and is closely tied to credit reporting issues.
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6 |
6 |
Sat Aug 18, 2007 9:39 pm
Administrator |
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Fair Credit Billing Act, 15 U.S.C. 1666, et. seq.
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41 |
69 |
Thu Aug 21, 2008 3:26 pm
Administrator |
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Gramm-Leach-Bliley Act [GLBA]
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58 |
66 |
Sun Sep 07, 2008 7:29 am
Administrator |
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Real Estate Settlement Practices Act [RESPA]
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25 |
30 |
Tue Nov 11, 2008 7:36 am
Administrator |
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Privacy, Driving Records and the Driver's Privacy Protection Act [DPPA]
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5 |
6 |
Tue Sep 04, 2007 3:14 am
Administrator |
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2005 Identity Theft Enforcement and Protection Act
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4 |
10 |
Wed Apr 18, 2007 8:47 am
Administrator |
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Governmental/Sovereign Immunity: Can You Sue Governmental Actors for Violating the FCRA?
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1 |
1 |
Thu May 03, 2007 7:30 pm
Administrator |
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OFAC Reports and the Law Governing Those Reports
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5 |
7 |
Mon Jan 28, 2008 5:38 am
Administrator |
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Bank Secrecy Act of 1970
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2 |
2 |
Sun Sep 02, 2007 11:28 pm
Administrator |
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Right to Financial Privacy of 1978
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2 |
2 |
Thu Dec 06, 2007 3:11 am
Administrator |
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The USA Patriot Act
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3 |
3 |
Tue Nov 11, 2008 7:34 am
Administrator |
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Foreign Surveillance Intelligence Act [FISA]
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1 |
7 |
Mon Nov 12, 2007 2:24 am
Administrator |
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Telephone Consumer Protection Act [TCPA], Lousiana’s UTMA and the Junk Fax Prevention Act of 2005
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36 |
54 |
Sat Mar 01, 2008 10:16 pm
Administrator |
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Communications Decency Act
The CDA is a real "wolf in sheep's skin." Generally part A provides that it is illegal to provide porn to kids. Now, no one would disagree with that. Part B purports to give absolute immunity to Internet Service Providers, including pornography perpetuators, so long as the content is posted by Information Content Providers.
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35 |
48 |
Tue Nov 11, 2008 7:28 am
Administrator |
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Computer Fraud and Abuse Act, 18 U.S.C. 1030
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52 |
70 |
Sat Jun 07, 2008 6:39 am
Administrator |
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HIPAA: Medical Records Privacy
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6 |
6 |
Wed Mar 19, 2008 4:04 am
Administrator |
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Federal Tort Claims Act
The FCRA applies to the Government as well. The Federal Torts Claims Act must be considered when filing suit against the Government.
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20 |
20 |
Fri Feb 15, 2008 11:04 am
Administrator |
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Wiretapping, Recording Conversations and Related State and Federal Laws
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2 |
2 |
Wed Nov 12, 2008 7:12 am
Administrator | | |
