Frequently Asked Questions
I get phone calls late at night. Can I take any action to stop this?
The collection agency is not supposed to call you up after 8 PM and before 9 AM
[FDCPA Section 805(a) (1)]. You can ask them not to call you up late at night or early in
the morning. If it does not work out, go for a legal action.
What if the Credit Bureau refuses to correct my information in their records even if
I provide them the necessary proof?
You should go to the court. You can actually sue the credit bureau for defamation and
willful injury. This comes under the FCRA Section 623. If you win, a fine of an amount
equal to the damage caused will be charged from them.
Can I file a claim against the creditors if they pull out my credit file without any
reasonable purpose?
Yes. You can sue them under the FCRA Section 604(A)(3) for causing injury to your
credit report and credit score. They have to pay a fine of $1000 if you prove them wrong.
My creditor presented my credit history in a wrong way and with incorrect data.
What should I do now?
Let him know that he has violated the US Court of Appeals, Ninth Circuit, No.0015946,
Nelson vs. Chase Manhattan. They will be paying an amount equal to the damage caused
(as deemed by the court) as fine.
I sent a letter to the credit bureau asking for some corrections in my credit report
which they have prepared. But there is no response from them.
The credit bureaus should respond to any written document sent by you within 30 thirty
days. It can extend up to 45 days if they have to exchange information with the creditor
during the first few days. But if they fail to do so, you can charge them for violating the
FCRA Section 611Part (A) (5) (B) (ii) for $1000.
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