Failure to Detect 2 Files About One Consumer

Maximum Possible Accuracy
David A. Szwak

Failure to Detect 2 Files About One Consumer

Postby David A. Szwak » Wed Oct 26, 2005 6:50 pm

PARTICULAR PROBLEMS WITH CRA's AND THEIR REPORTS:

MULTIPLE FILES ON ONE CONSUMER AND LACK OF CROSS-REFERENCING SYSTEM:

Consumer reporting agency was liable, on several grounds, when it failed to maintain reasonable procedures when it allowed two (2) inaccurate files to exist about one consumer, failed to have adequate procedures to detect similarities between the two inaccurate files maintained on one consumer, and the agency failed to discover the two files. Morris v. Credit Bureau of Cincinnati, 563 F.Supp. 962, 968 (U.S.D.C. S.D. Ohio 1983). See R. Smith, "A Look Inside a Credit Bureau's Operation," Privacy Journal, Vol.22, No.6, p.5 (April 1996).

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