well and not to fight you, but i looked up the definition last night of the FCRA and it says it governs the CRA's also...thats the only reason i put it in the letter...
[B][I]"Consumer reporting agencies (CRAs) are entities that collect and disseminate information about consumers to be used for credit evaluation and certain other purposes. Credit bureaus, a type of consumer reporting agency, hold a consumer's credit report in their databases. CRAs have a number of responsibilities under FCRA, including the following:
Provide a consumer with information about him or her in the agency's files and to take steps to verify the accuracy of information disputed by a consumer. Under the Fair and Accurate Credit Transactions Act (FACTA), an amendment to the FCRA passed in 2003, consumers are able to receive one free credit report a year.[2] The free report can be requested by telephone, mail, or through the government-authorized website, annualcreditreport.com.[3] "
Source: Wikipedia - Fair Credit Reporting Act
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