Monday, August 20, 2007

Fair Credit Reporting Act - complaint to credit reporting agency

Beisel v. ABN Ambro Mortgage Inc. - Ed Pa. - Aguust 10, 2007

A credit reporting agency [CRA] has a duty concerning disputed information in a credit report only after the complaining party has disputed the credit information with the CRA and the credit reporting agency has notified the furnisher of information.

In this case, the consumer-plaintiffs alleged only that they disputed it with the furnisher, not the CRA, before bring suit under the FCRA, 15 USC 1681 et seq. Jaramillo v. Experian, 155 F.Supp. 2d 356, 363 (E Pa. 2001).