I called on a client matter today. Ms. Gorman had finally brought my complaint to the attention of the Providian legal department and she knows that I have a serious problem with their policy of refusing consumer disputes unless the consumer provides credit reports no older than 30 days. Promptly she requested my client's credit reports.
She stated that the CRAs "frequently" report DIFFERENT data than the data furnished to the bureaus by Providian.
I'd sure like to find out how that's possible. Here's my e-mail to Ms. Gorman:
Dear Ms. Gorman:
I am following up on our telephone conversation this afternoon, as you know I am litigating against Providian and the CRAs and publishing credit related events and my suit.
1) You have received my VM regarding my client's account a week ago, but you "hadn't had a chance" to get back to me.
2) You stated that you would not accept a faxed power of attorney from my client in Japan due to security concerns, and you demanded that he utilize the US postal service.
When I told you that recently a Waiver of Service was delivered to Arizona Child Support Services instead of my address (Exhibit A in my Objection to the Household Motion to Dismiss), it appeared that you couldn't care less.
I suggest you re-evaluate your "security" concerns and stop jeopardizing consumers' security with your demands for mailings of important documents via postal service.
3) When I asked why you report a BALANCE for an account that is also reported as "Transferred/Sold," you insisted that you did NOT sell the account. You requested my client's credit reports.
I asked whether you don't know what you report, and you stated that you DO know what you report. When I questioned the purpose of me supplying you with the credit reports, you stated that the credit bureaus report DIFFERENT data than what you furnish to them.
I asked: "How could it be that the credit bureaus report something different than what you report?"
You replied: "It happens frequently."
Providian refuses to investigate consumer disputes unless the consumer provides their credit reports no older than 30 days, and that's a major violation of the FCRA. The Providian letter is posted at http://forum.creditcourt.com/discus/messages/207/211.html
I did not know that CRAs report anything other than the data supplied by the data furnishers. The CRAs claim that they ONLY report data as supplied by the furnishers. Is there ANYTHING you are willing to volunteer to substantiate your claim?
You refused to provide me with the Providian reporting.
I just added you to my witness list, as I intend to show to the Court, as well as to attorneys, consumers and the world the deficiencies of the American credit reporting system.
Also, on July 16, 2003, the House Financial Services Subcommittee on Financial Institutions unanimously approved “Landmark FCRA Legislation.” I am getting ready to submit to the members of the Subcommittee several problems such as the Providian refusal to investigate consumer disputes for possible amendments to the legislation, hopefully including statutory damages for each violation.
Please do respond if you can assist in any way or if there are any misunderstandings.
Christine Baker
c: posted at www.creditsuit.org
Posted by Christine at July 28, 2003 07:11 PM