Short table

Question 1

Potential Defendants for INC case

Answer 1

1. Credit Bureaus
2. Credit Furnishers

Question 2

Subtypes of INC case

Answer 2

A: Inaccurate and misleading
1. Balance reported inaccurately
2. False late payment
3. Delinquency reported more than 7,5 years
4. Duplicated account

B: Technically accurate but materially misleading
1. bill covered by the insurance but not paid

Question 3

Proof for INC cases

Answer 3

1. Proof of payment or equivalent documents
2. Credit Reports

Question 4

CRA culpability for INC cases

Answer 4

After the 30th day from the delivery date of the dispute letter

Question 5

Proof of Harm for INC cases

Answer 5

Required after the CRA’s culpability has been established

Question 6

Potential Defendandts for IDT cases

Answer 6

1. Credit Bureaus
2. Credit Furnishers

Question 7

Subtypes of IDT case

Answer 7

1. Fraudulent accounts opened.
2. Unauthorized charges on an existing account.

Question 8

Main Proof for IDT cases

Answer 8

1. Merchant Call
2. FTC Identity Theft
3. Credit Report

Question 9

CRA culpability for IDT cases

Answer 9

After the 30th day from the delivery date of the block letter

Question 10

Proof of harm for IDT cases

Answer 10

Required after the CRA’s culpability has been established

Question 11

Potential Defendands for Mixed File Cases.

Answer 11

Credit Bureaus

Question 12

Proof for Mixed File cases

Answer 12

1. Merchant Call
2. Credit Reports

Question 13

CRA culpability for the Mixed Case files

Answer 13

From the get-go.

Question 14

Proof of harm for Mixed File cases

Answer 14

Required

Question 15

Potential defendands for Deceased cases.

Answer 15

Credit Bureaus

Question 16

Proof dor Deceased Cases

Answer 16

1. SSA Benefits Letter
2. Adverse Action Notice (with a ‘deceased’ notation on it)
3. Consumer reports (with a ‘deceased’ notation on it)

Question 17

CRA’s culpability in the Deceased Cases

Answer 17

From the get-go most of the time.

Question 18

Proof of harm for Deceased cases

Answer 18

Required.

Question 19

Potential Defendants for BG cases

Answer 19

1. Background screening companies.
2. Tenance screening companies.

Question 20

Subtypes of BG cases

Answer 20

1. Unrecognized criminal records/evictions.
2. Innacurate infromation about charges/evictions.

Question 21

Main proof for BG cases

Answer 21

1. Adverse Action Notice
2. Background report

Question 22

CRA culpability in BG cases

Answer 22

From the get-go most of the time.

Question 23

Proof of harm for BG cases

Answer 23

Required

Question 24

Potential defendants for Post Bankruptcy cases

Answer 24

Credit Bureaus

Question 25

Subtypes of Post-Bankruptcy cases

Answer 25

1. 1681 e (b) 2. 1681 (i)

Question 26

Proof for Post-Bankruptcy cases

Answer 26

1. Bankrutpcy discharge. 2. Bankruptcy Schedules 3. Credit Reports

Question 27

CRA's culpability for Post Bankruptcy cases

Answer 27

1. 1681 e (b) - from the get-go 2. 1681 (i) - after 30 days of sending the dipsute letter.

Question 28

Proof of harm for Post Bankruptcy cases

Answer 28

1. 1681 e (b) - required 2. 1681 (i) - required after CRA's culpability is established.

Question 29

Potential defendants for FDCPA cases

Answer 29

Debt Collectors

Question 30

Subtypes of FDCPA cases

Answer 30

1. Call Frequency Violations 2. Call Placement Violations 3. Collection Letter Violations 4. Collection Email Violations 5. Collection Text Message Violations 6. Collection Consumer Reporting Violations. 7. Abusive Language.

Question 31

Proof for FDCPA cases

Answer 31

1. Copies of written communications. 2. Call recordings. 3. Screenshots with call history. 4. Credit Reports

Question 32

DCA culpability for FDCPA cases

Answer 32

From the date of the violation.

Question 33

Proof of harm for the FDCPA cases

Answer 33

Not required

Question 34

Potential defendants for TCPA cases

Answer 34

1. Telemarketers. 2. Other companies placing unauthorized calls.

Question 35

Proof for TCPA cases

Answer 35

1. Call recordings. 2. Screenshots withe the call history. 3. Voicemails 4. Text messages. 5. Emails

Question 36

Creditor's culpability in a TCPA case

Answer 36

After the request to stop contact was placed by the consumer

Question 37

Proof of harm in a TCPA case

Answer 37

n/a

Question 38

Potential defendants for FCBA cases

Answer 38

Creditors

Question 39

Proof for FCBA cases

Answer 39

1. Account Statement 2. Proof of written dispute. 3. CMR

Question 40

Creditor's culpability in a FCBA case

Answer 40

After the 30th day from the delivery date of the dispute + two billing cycles after that;

Question 41

Potential defendants for EFTA cases

Answer 41

Debit/checking/savings account providers

Question 42

Proof for EFTA cases

Answer 42

1. Account Statement. 2. Proof of written dispute. 3. CMR.

Question 43

Creditor's culpability for EFTA cases

Answer 43

After the 30th day from the delivery date of the dispute + two billing cycles after that;