Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX FIRST FEDERAL CREDIT CONTROL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Account Number XXXX | Demand for Validation of Debt and Compliance with Federal Statutes To Whom It May Concern : This letter constitutes a formal dispute and demand for validation According to the Fair Credit Billing Act ( 15 U.S.C. 1666 ), the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 5 ) ( B ) ), and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) ( hereafter referred to as FCBA, FCRA, and FDCPA respectively ), this notification informs you that a formal request for validation of alleged billing discrepancies and potential violations, which may suggest fraudulent conduct and predatory lending practices, has been initiated.

Furthermore, in accordance with the Health Insurance Portability and Accountability Act ( HIPAA ), I have the right to protect the privacy of my medical records from third parties. I have no
t authorized any of my current or previous healthcare providers to disclose my medical information to any third party. While I acknowledge that limited information may be shared as permitted by HIPAA, any additional information should only be disclosed with the patient 's explicit consent. Thus, my request encompasses two aspects : debt validatio
n and HIPAA compliance. It is your responsibility as the relevant entity to provide comprehensive documentation demonstrating your legitimacy as the involved party concerning the aforementioned allegations. This documentation should address and rectify any reported information that does not fully comply with the accuracy, truthfulness, and completeness requirements stipulated not only by FCRA and FDCPA but also in accordance with the XXXX XXXX credit reporting standards. 

Please note that this communication explicitly seeks a thorough validation of the debt in question, in strict accordance with 15 U.S.C 1692g Sec. 809 ( b ) of the FDCPA. It is not simply a request to confirm my mailing address. Moreover, this demand serves as a warning against engaging in actions or making representations that would breach the provisions outlined in 15 U.S.C 1692e, which pertain to the dissemination of false or misleading information.

It is important to highlight that engaging in practices that violate consumer protection laws and regulations, including but not limited to The Deceptive Trade Practices Act ( 15 U.S.C 45 ), the XXXX Fair Debt Collection Practices Act, Truth in Lending Act ( TILA ), Regulation Z, and Unfair, Deceptive, or Abusive Acts or Practices, is prohibited. As dictated by current jurisprudence governing Federal consumer protection law, Consumer Reporting Agencies are obligated to diligently verify the accuracy of the information they distribute, which exceeds the mere replication of data obtained from secondary sources. Thus, I formally request that your office provide me with verifiable evidence of my alleged financial obligation. This documentation should conform to Federal Rules of Civil Procedure Evidence XXXX and be accompanied by an officially certified XXXX XXXX. Furthermore, I require copies of both the front and back, duly certified as accurate and reflecting any indebtedness that is purportedly my responsibility. 

I hereby notify that any further dissemination of unfounded information to the major credit bureausnamely XXXX, XXXX, and XXXX implicate your office in deceptive practices under applicable federal and state statutes. Continuing such actions could expose your office to litigation under the Deceptive Trade Practices Act ( Title 15 U.S.C. 45 ), the Fair Debt Collection Practices Act ( FDCPA ), the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ) 501.2077 ( 2 ), and other relevant laws such as TILA, XXXX. XXXX, XXXX, XXXX Tort Fraud, and FCRA. 

Your legal advisors should be aware of the severe consequences associated with noncompliance with these statutes, which may lead to scrutiny by the Federal Trade Commission and other regulatory agencies. Non-compliance with the Fair Credit Reporting Act may result in action from the FTC, Consumer Financial Protection Bureau ( CFPB ), state entities, or affected consumers. 

Upon receipt of the requested validation documents within XXXX days, I will review them within an identical period during which all collection attempts must be suspended. During this validation period, any action that negatively affects my credit ratings will prompt consultation with legal counsel. Non-compliance with this request could place your company in significant legal jeopardy with federal and state agencies. Failure to provide proper documentation within XXXX days will also constitute continued reporting of invalidated information to any major credit bureau as fraud under both federal and state laws. All inaccurate or invalidated information must be immediately stricken as fraudulent and void ab initio from your Hierarchy until all validation documentation is provided. If your establishment or the company you represent continues to report negative marks on my credit reports without proper validation, I advise you to ensure all records are accurate and validated. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action XXXX XXXX XXXX XXXX Please provide the following : 1. Pursuant to relevant commercial statutes of the State of XXXX, you are hereby requested to provide a certified copy of your business license evidencing your legal authority to conduct business within the State. 
XXXX. Please provide a chain of assignment for this reference XXXX : XXXX. 
XXXX. Please Provide the forward flow agreement. for this reference XXXX : XXXX. 
XXXX. Please provide any are all arbitration agreement for this reference XXXX : XXXX. 
Trust 5. Securitization Clarity : Can you provide documentation detailing whether the alleged debt has been securitized? If so, please furnish the relevant securitization agreement that includes the chain of ownership of this debt from the original creditor to the current entity and any changes in ownership that have occurred.

6. Disclosure of Conditions : Given that securitized debts often involve multiple parties, can you explain how you ensure compliance with FCBA and FDCPA in your communications and reporting practices? What specific measures do you have in place to prevent violations, especially regarding the requirement of clear disclosure?

7. Validation Standards : What internal standards and procedures do you have to validate a debt that is claimed to be securitized? Can you describe how you verify compliance with federal regulations before attempting to collect on such debts?

8. Chain of Custody Documentation : Can you provide a complete chain of custody for the documents substantiating this debt? This includes all agreements, updates, and assignments that have occurred since the inception of the debt. How do you maintain the integrity of the documentation in compliance with federal statutes?

9. Specific Compliance Protocols : Specifically, what protocols are in place to ensure that any handling of this accountespecially communications regarding the debtdoes not violate provisions under the FCRA and FDCPA? Can you provide a detailed description of your training programs for employees regarding compliance with these acts?

Trust Structure and Pool Details 10. Can you provide a detailed description of the specific trust or pool into which my alleged debt has been securitized? Please include the name, date of formation, and the parties involved in the trust and how they relate to my debt.

11. What criteria were used to categorize debts into this trust pool, and how does this categorization impact the servicer 's responsibilities and the collection process?

Securitization Documentation 12. Please provide access to the securitization agreement, including any prospectus or offering documents related to the trust that includes my alleged debt. What information does this documentation provide regarding the treatment of consumer debts in the pool?

13. Can you clarify any amendments or updates to the original securitization documents that may affect the validation process of my debt?

Servicer Responsibilities 14. What role does the servicer play in managing and collecting on the debts within this securitized pool? How is their authority limited in relation to Federal consumer protection laws?

15. Could you provide a detailed explanation
of the servicing agreement and how it governs the collection practices applied to my account? Specifically, how does this agreement ensure compliance with FCBA, FCRA, and FDCPA?

Verification of Debt Ownership 16. How does XXXX XXXX verify its ownership of the alleged debt given its securitization? Please outline the internal processes used to ensure that records are accurate and complete before such debts are sent to collections. 
XXXX. What documentation can you provide that clearly establishes the chain of ownership from the original creditor to XXXX XXXX and any subsequent transfers related to this debt?

Regulatory Compliance and Reporting 18. What specific procedures does XXXX XXXX have in place to ensure ongoing compliance with XXXX  regulations concerning the reporting of securitized assets? How do these procedures affect the handling of consumer accounts?

19. Can you describe the internal audits or compliance checks that are conducted to ensure that your reporting to credit bureaus aligns with the requirements of both the FCRA and FDCPA?

Remedies for Compliance Issues 20. Should discrepancies arise in the validation process related to the SEC prospectus disclosures, what mechanisms does XXXX XXXX have in place for the remediation of non-compliance in credit reporting? 
21. How can a consumer request a review or correction should inaccuracies be identified?

22. To ascertain the identity of the individual owing the debt in question, please disclose the last four digits of the individual 's social security number for accurate identification, subject to appropriate privacy safeguards.

23. Provide a certified copy of the original contract held by XXXX XXXX XXXX, with XXXX XXXX. 

24. Present an authenticated chain of title documentation explicitly verifying your right to collect on this debt. This must include the complete history of the account from the original creditor to XXXX XXXX XXXX, and any subsequent sales or transfers of the alleged debt. 

25. Provide certified copies of all agreements leading up to and including the assignment of the debt.

26. Furnish a complete and legible accounting ledger showing each transaction that comprises the total amount claimed as owed. The ledger must be detailed enough to delineate all communication, transactions, service charges, and payments between myself and the alleged creditor.

27. Include any interest computations, fees, charges, or penalties that have contributed to the cumulative amount of the alleged debt, supported by a contractual basis for each charge.

28. Provide a notarized affidavit from an authorized XXXX of XXXX XXXX XXXX affirming that all collection practices related to this account comply with the FDCPA, FCRA, and other applicable federal laws.

29. Include documentation that demonstrates your staff has been trained on these laws and regulations pertaining to debt collection.

30. Submit evidence that your organization has legally obtained the authority to forward the collection of this alleged debt. This includes a certification that XXXX XXXX XXXX possesses all necessary licenses and bonding required to conduct collection actions in the state of Florida.

31. Include a copy of the compliance review performed to ensure adherence to state and federal guidelines.

32. Disclose the identities of all entities and individuals holding a stake in the claim against me, including any partnerships, trusts, or third-party investors that may have financial interests in this debt.

33. Provide a copy of any management agreements or contracts relating to these stakeholders that impact your agencys ability to collect the monetary claim against me.

34. You are required to supply a **Bill of Sale** accompanied by a certification demonstrating the authentic transfer of the debt, as well as evidence that XXXX XXXX XXXX XXXX XXXX **original documents** of the claims being initiated against me by all collection parties.

35. Attach an authenticated copy of the **Servicing Agreement** that grants authority for collections of the debt in question.

36. Provide a certified copy of the contract between the alleged creditor and XXXX XXXX XXXX, demonstrating the purchase of the alleged debt including all related costs.

37. Provide a certified copy of the contract authorizing XXXX XXXX XXXX, to act on behalf of the alleged creditor.

38. Provide certified copies of all records and a full accounting of the referenced account ( ACCT. # as specified in your letter ), including all records from XXXX XXXX XXXX XXXX demonstrating that a valid debt exists. 

39. Provide a complete list of all officers of XXXX XXXX XXXX, with full contact information including name, title, direct mailing address, direct phone number ( s ), fax number ( s ), and email address. A link to a website is not acceptable.

40. Provide an affidavit signed under penalty of perjury that XXXX XXXX XXXX or any agent acting on their behalf has not violated any portion of the FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ). Additionally, provide a certified copy of all Public Hazard Bonds and/or Liability Insurance Policies .

41. Furnish an authenticated copy of the Master Servicing Agreement between your organization and the abovementioned client detailing your authority to pursue collection of the alleged debt on behalf of the Trustee.

42. Present a certified copy of any agreements bearing the signature of the alleged debtor wherein they consented to an obligation to pay monies to XXXX XXXX XXXX. 

43. Under 15 USC 1641 ( f ) ( 2 ), provide the full legal name, physical address, and telephone number of the fiduciary or trustee who owns the aforementioned debt for purposes of due process and transparency.

44. Present incontrovertible evidence, under oath and subject to penalties of perjury pursuant to Rule 17 of the Federal Rules of Civil Procedure, that verifies your status as the original Holder in Due Course with the necessary standing. This evidence must include a verifiable Bill of Receipt demonstrating actual " purchase '' and non-divided ownership interest in the specified debt. In addition, any claimed contractual obligations between Trustee et al. and myself must be clearly established.

45. Furthermore, provide all transactional records, ledgers, registers, and other documents reflecting account activity from inception to present. Attach an original signed agreement involving the alleged debtor with your agency ; redact any sensitive personal information to prevent misuse or identity theft. Affirm that you or your company retain ownership and Holder in Due Course status over this agreement, providing proof thereof.

46. For full transparency regarding the alleged financial obligation currently under collection, you are requested to produce all pertinent accounting records. This includes a detailed general ledger or other account statements detailing all entries related to the obligation. Specifically, if applicable, furnish documents such as Form XXXX XXXX balance sheets ( XXXX Numbers XXXX, XXXX, XXXX ), any relevant Form XXXX OID reports, Form XXXX registration statements, Form XXXX prospectuses, as well as RC-S and RC-B call schedules. 

47. Additionally, provide the authenticated name and official capacity of the individual ( s ) appointed as Trustee or any equivalent fiduciary within the Corporation responsible for debt collection activities. This request also includes information regarding the XXXX XXXX XXXX  and their subordinate officers tasked with collections.

48. If your entity is acting as a third-party debt collector concerning the aforementioned debt obligation, certify that you have not acquired any evidence of said debt and are proceeding with collection solely as an agent for the original creditor of record for this agreement. 

49. Under relevant legal and regulatory provisions, you are required to furnish written validation from the aforementioned creditor confirming your authorization to represent them in this matter.

50. Subsequent communications to the Claimant, following the receipt of this notice, without proper procedural validation of the alleged debt, may infringe upon Title 18 of the United States Code, Part I Chapter 63 Section 1341. Such actions could be interpreted as intentional fraudulent practices via inter-state communications, based on disseminating known false information with reliance thereon resulting in detrimental consequences.

51. You are required to provide a comprehensive copy of any insurance or securities claims asserted by any creditor or trustee related to this account.

52. Additionally, supply all relevant security instruments associated with this account, whether certificated or uncertificated, including both front and back imprints evidencing the facilitation of account funding.

53. All contracts and agreements pertinent to this account must be disclosed. This includes, but is not limited to, Service Agreements, Custodial Agreements, Master Purchase Agreements, and Issuer Agreements established with any Government-Sponsored Enterprises ( GSEs ).

54. Moreover, complete disclosure is required for all Pooling Agreements encompassing this account in which a GSE is a party.

55. Provide complete records of all agreements, contracts, and mutual understandings enacted with third-party vendors for services rendered in connection with charges levied against this account from its inception to the present day.

56. This request extends to all Commitment to Guarantee agreements and Release of Document agreements entered into between your establishment and any GSEs.

57. Furnish copies of the Master Agreement for Servicer 's Principal and Interest Custodial Accounts as well as records pertaining to any Servicers Escrow Custodial Accounts between the Trustee and your organization in connection with any GSE interactions.

58. Provide all Trustee agreements pertinent to the acc
ount in question or relating to any collective accounts with any Government-Sponsored Enterprise ( GSE ).

59. Provide documentation of any communications directed to the presumed debtor, including a record demonstrating the precise date and time these communications were dispatched by post from your institution. This request encompasses correspondences sent prior to reporting adverse credit information or within a thirty-day period subsequent to such reporting. It is incumbent upon your organization to ensure these notifications are distinctly legible and prominent in nature, adhering strictly to the model disclosures provided by the Consumer Financial Protection Bureau under 12 CFR Part 1022, Appendix B, pursuant to Fair Credit Reporting Act Section 623 ( a ) ( 7 ).

60. An authenticated copy of your organizations license permitting debt collection activities within the State of XXXX. 

61. Evidentiary proof that the purported debt is not subject to expiration as per the applicable statute of limitations.

62. A bona fide copy of your servicing agreement or documented Power of Attorney granted by the trustee.

63. A true and correct copy of The Pooling and Servicing Agreement associated with the alleged account.

64. Accurately documented details including the name, address, and Committee on Uniform Security Identification Procedures ( CUSIP ) number related to the alleged account.

65. Any decrees or judgments obtained by any creditor or Trustee concerning this account.

66. The full legal name, current address, and telephone number of the Trustee.

67. The names and addresses of all individuals, corporate entities, associations, or third parties with a vested interest in legal proceedings concerning the alleged indebtedness.

68. Disclosure of the full name and address of the individual or entity purported to owe the debt ( " Alleged Debtor '' ).

69. Provision of a complete ledger and accounting breakdown detailing the composition and calculation of the alleged debt being pursued.

70. Statement of the precise amount claimed as owed under the alleged debt.

71. Specification of the date when the alleged debt became due and payable.

72. Identification of the date on which the original charge became delinquent or was written off.

73. Confirmation that the right to collect this debt has been lawfully transferred or sold to your collection agency.

74. Detailed statement reflecting every transaction and credit applied to the account in question, summarily comprising a comprehensive accounting of said alleged debt.

75. Declaration regarding any contingent compensation attributable to your organization upon successful recovery of the alleged debt.

It is imperative that you acknowledge that any further attempt to contact me regarding this matter, absent satisfactory provision of each item delineated above in compliance with my validation request, could constitute mail fraud under 18 U.S.C 1341, for knowingly perpetrating an illegitimate claim through interstate communication channels with intent to deceive and cause foreseeable harm. 

Furthermore, you are instructed to submit evidence identifying the surety bond provider for XXXX XXXX XXXX for any necessary legal proceedings. Absence of such documentation or failure to adequately validate the alleged debt as stipulated completed and returned with all requested documents within 30 days of receipt herein will result in your claims being treated as nullified and extinguished ; such claims shall not be subject to resale or further collection activities and must be expunged from your records accordingly. 


Please note that a consumer credit contract is insufficient for validation. Validation requires the presentment of the account and a general ledger statement signed and dated by the responsible party. Relevant case law includes XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. 
Be advised that pursuant to Section 617 of aforementioned Federal Law ( 15 U.S.C. 1692g ), failure or negligence in complying with this law is very clear as to the Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. 


Respectfully, XXXX XXXX Litigation I have not been supplied proof per doctrine of estoppel by silence as established in Engelhardt v. Gravens ( Mo ) 281 SW 715, 719. I presume no evidence of the alleged debt exists. 
Please note that in accordance with legal precedents, a mere copy of the consumer credit contract does not suffice to substantiate the validity of the asserted debt. Proper validation is contingent upon the provision of the relevant account statement, together with a general ledger record, each authenticated by signature and date from the individual responsible for managing said account. This requirement is in alignment with established case law, including but not limited to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). 






























EXHIBIT A CREDITOR DISCLOSURE STATEMENT Collector ( Assignee ) Information : Name and Address : [ Collectors Name and Address ] Debtor Information : Name and Address : [ Debtors Name and Address ] Account Identification : [ Account Number ( s ) ] Assignment Terms : Please delineate the terms of assignment for the subject account, including any associated documents or facsimiles evidencing such terms. 

Insurance Claims : Indicate whether any insurance claims have been filed by any creditor or assignee in connection with the aforementioned account.

[ ] Yes [ ] No Tax Deduction Claims : Confirm if the stated balance of this account has been included in any tax deduction claims to date.

[ ] Yes [ ] No Products or Services Detailed Account : List the specific products or services provided by the collector to the debtor, along with the associated monetary amounts for each. 

Validation Failure or Refusal Consequences : Please acknowledge that upon a failure or refusal by the collector to validate this debt collection action, the collector must relinquish all claims against the debtor named herein and will be responsible for reimbursing the debtor for all resulting legal costs and attorney fees incurred in defense against this collection action.

Authorized Representatives Signature : ____________________________________________ Date : ____________________________________________ Compliance Notice : You are required to return this duly completed form alongside all pertinent assignment or transfer documents substantiating your right to collect on this debt. Incomplete submissions or failure to provide necessary documentation precludes consideration of your claim. Pursuant to the Fair Debt Collection Practices Act, non-compliance with this validation request mandates that your claim be disregarded and may expose you to liability for damages resulting from continued attempts at collection. 


















REQUESTED INFORMATION AGREEMENT AUTHORIZING THE COLLECTION OF ALLEGED DEBT This document serves as an agreement between ________ XXXX XXXX, XXXX ( hereinafter referred to as " Creditor '' ) and the client, granting Creditor the authority to collect the alleged debt. 

Creditor is required to answer the following questions by checking the appropriate checkbox. If any insurance claims have been made by any entity holding the Debtor 's account, Creditor must select the checkbox labeled " Yes '' below the first question.

1. Have any insurance claims been made by any creditor regarding this account?

Yes No Creditor is also required to indicate if any judgments have been obtained by any credit regarding this account, by selecting the checkbox labeled " Yes '' below the second question.

2. Have any judgments been obtained by any credit regarding this account?

Yes No If no insurance claims or judgments have been made regarding the account in question, Creditor must chec
k the box labeled " No ''.

1. Have any insurance claims been made by any creditor regarding this account?

2. Have any judgments been obtained by any credit regarding this account?

No If Creditor has filed any paperwork with the courts resulting in any judgments regarding the account in question, the checkbox labeled " Yes '' below the question beginning with the words " Have Any Judgments ... '' should be marked.

1. Have any insurance claims been made by any creditor regarding this account?

Yes No 2. Have any judgments been obtained by any credit regarding this account?

Yes No If no judgments have been made regarding the account in question, the box labeled " No '' must be selected.

1. Have any insurance claims been made by any creditor regarding this account?

Yes No 2. Have any judgments been obtained by any credit regarding this account? 
Yes -No The blank space that precedes the label " XXXX XXXX, XXXX '' shall be completed with the Debt Collector 's full name. 

Please provide the name and address of the bonding agent for " XXXX XXXX, XXXX " in the event that legal action becomes necessary. 

__________________________________________________________________________________ __________________________________________________________________________________ __________________________________________________________________________________ Most Debt Collectors are required to have a bonding agent in place, either actively involved or retained, should they be called upon. The legal name and mailing address of this agent should be provided on the lines below the statement " ... In Case Legal Action Becomes Necessary. '' In case legal action becomes necessary. 

__________________________________________________________________________________ __________________________________________________________________________________ __________________________________________________________________________________ The Creditor, typically a financial institution rather than an individual, must appoint an Authorized Signature Representative to physically sign the line labeled " Authorized Signature Of Creditor. '' The Authorized Signature Representative shall also enter the current calendar date on the line labeled " Date. '' Authorized Signature of Creditor : __________________________________________ Date : _______________________ EXHIBIT B NOTICES TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( " FCRA '' ), as amended, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( " CRAs '' ). These responsibilities are found in Section623 of the FCRA. State law may impose additional requirements. All furnishers of information to CRAs should become familiar with the law and may want to consult with their counsel to ensure that they are in compliance. The FCRA, 15 U.S.C. 1681-1681u, is set forth in full at the Federal Trade Commission 's Internet website ( XXXX XXXX XXXX ). Section 623 imposes the following duties : General Prohibition on Reporting Inaccurate Information : The FCRA prohibits information furnishers from providing information to a consumer reporting agency ( " CRA '' ) that they know ( or consciously avoid knowing ) is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( l ) ( A ) and ( a ) ( l ) ( C ) Duty to Correct and Update Information : If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section623 ( a ) ( 2 ) Duties After Notice of Dispute from Consumer : If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific Information is inaccurate, and the information is in fact inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( l ) ( B ) Duties After Notice of Dispute from Consumer Reporting Agency : If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by th

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation