My question involves a credit report problem in the State of: Delaware
My question involves reinvestigation procedure for a puiblic judgement record. I had a judgement reported to all three credit bureaus. I disputed with all three. Experian verified in 4 days. I requested results including the data furnisher. They refused to give me the details of how they confirmed the record. I was told they use a bonded company to collect the data from the court which they refuse to provide anty info on.
My legal question is this:
Is the third party agency collecting the data constitute a data furnisher according to:
§ 611.(6)(B) (iii)Procedure in case of disputed accuracy [15 U.S.C. § 1681i]
If so, then it appears to me they have clearly violated the FCRA, by adamently refusing to provide that info. They have refused to provide any proof of investigation other than "we told you we investigated"
I was told by the court they do not verify with the credit bureaus. I don't think they conducted a real investigation and the court was not contacted at all.
Has anyone had any success suing the credit bureaus? any precedence on this?