TransUnion motivates consumers to sue CAs & JDBs for FDCPA violations
Date: Tue, 08/04/2009 - 05:08
Submitted by Chrys Henderson
on
Tue, 08/04/2009 - 05:08
Total Replies: 2
In an interesting move, TransUnion is offering to collectors and debt buyers a database of debtors who have ever filed an FDCPA lawsuit. When the collector or JDB pulls your credit report, TU will notify them that you have sued in the past. If this doesn't give you a reason to sue for FDCPA violations (well that and the $1,000) then I don't know what will.
Collectors using the service that supplies the database - "http://www.fdcpacases.org/" - or pull a TransUnion report may decide to tone down their collection practices for debtors who are more apt to defend themselves, and possibly even increase their aggressiveness to those who don't.
TransUnion's Press Release:
"http://news.prnewswire.com/DisplayReleaseContent.aspx?ACCT=104&STORY=/www/story/06-22-2009/0005047641&EDATE="
[remove any added spaces]
Most annoying (to them, it's music to my ears) is this statement:
MAYBE IF THEY OBEYED FEDERAL LAW THIS WOULDN'T BE SUCH A PROBLEM. It seems a rather basic point to me, but collectors appear to be a rather dense lot. The FDCPA and the FCRA are written in plain and simple English, not hieroglyphs.
Most insulting is this statement (and why I say they have the NERVE):
Quote:
PREDATORY?! Excuse me?! I want to personally slap the person who came up with that insulting statement.
Debt buyers especially are WORSE than predatory, they are scav engers!
And in case a collector decides to prattle on about "deadbeat debtors destroying the economy(!)", if the alleged debtor couldn't afford to pay the original creditor, what makes you think they can pay you? Your Magic 8-ball? If you doubt, read this:
From FTC v. CHECK INVESTORS, INC., et al:
"http://altlaw.org/v1/cases/189941"
So, *EVEN IF* you are talking to a "deadbeat debtor", SO WHAT?!
Collectors using the service that supplies the database - "http://www.fdcpacases.org/" - or pull a TransUnion report may decide to tone down their collection practices for debtors who are more apt to defend themselves, and possibly even increase their aggressiveness to those who don't.
TransUnion's Press Release:
"http://news.prnewswire.com/DisplayReleaseContent.aspx?ACCT=104&STORY=/www/story/06-22-2009/0005047641&EDATE="
[remove any added spaces]
Most annoying (to them, it's music to my ears) is this statement:
MAYBE IF THEY OBEYED FEDERAL LAW THIS WOULDN'T BE SUCH A PROBLEM. It seems a rather basic point to me, but collectors appear to be a rather dense lot. The FDCPA and the FCRA are written in plain and simple English, not hieroglyphs.
Most insulting is this statement (and why I say they have the NERVE):
Quote:
"Reduce Your Exposure To Predatory FDCPA Litigation Today With The Most Accurate And Complete Searchable Database In The Collection Industry" |
PREDATORY?! Excuse me?! I want to personally slap the person who came up with that insulting statement.
Debt buyers especially are WORSE than predatory, they are scav engers!
And in case a collector decides to prattle on about "deadbeat debtors destroying the economy(!)", if the alleged debtor couldn't afford to pay the original creditor, what makes you think they can pay you? Your Magic 8-ball? If you doubt, read this:
From FTC v. CHECK INVESTORS, INC., et al:
"http://altlaw.org/v1/cases/189941"
So, *EVEN IF* you are talking to a "deadbeat debtor", SO WHAT?!
Alabamaconsumerlawblog has a little write up on it & other "stuf
Alabamaconsumerlawblog has a little write up on it & other "stuff".
IMO, there's a pretty good chance Trans Union could inevitably break the privacy laws. Should be interesting.
I dont think this will break any privacy laws, because the court
I dont think this will break any privacy laws, because the court dockets are considered public information anyways---so what if they reveal that you sued a JDB before, the local newspapers usually list the docket review anyways.