Palisades Collection Agency - RCS Center ripoff Brookfield Wisconsin

You have the right to recieve, in writing proof of the verification.

This can include copies of any correspondence sent between parties, and the name and phone # of the person who verified the info.

You have this right under the FCRA.

Use it.

Remember to send all correspondence certified/RRR.

Here are some relevant sections from the FCRA indicated that yes, the CRAs have a responsibility to remove inaccurate information. The problem is, they never validate (to request information from the creditor that proves you are responsibleby procuding your signature on a contract) the information as they are supposed to.

611(a)(4): Consideration of consumer information. In conducting any reinvestigation under paragraph (1) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph (1)(A) with respect to such disputed information.

611(a)(5)(A): In general. If, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shall promptly delete that item of information from the consumer's file or modify that item of information, as appropriate, based on the results of the reinvestigation.

I have already submitted to the FTC several complaints against CRAs. Once they recieve a certain number or see a pattern, the FTC will "go after" the CRA.

:)