Financial Data Systems Unknown complaint on 05/11/2018

Issue

This creditor is reporting a negative debt against my credit report and has refused to debt it. This creditor is in violation of several consumer rights under the Fair Credit Reporting Act. According to the Fair Credit Reporting Act, I am entitled to notices concerning the reporting, handling and use of my credit information. Notice violations under this act occur when a creditor fails to notify you when it supplies negative credit information to a credit reporting agency and when a creditor fails to notify you of your right to dispute inaccurate credit information. Hence, this company is in violation of two different consumer credit rights.

Received: 05/11/2018

Debt collection: Unknown

Debt Verification: Right to dispute debt notice not received

Financial Data Systems Response

This issue was responded to within 15 days by Financial Data Systems

Debt Pro Tips

What's in my credit report?

Credit reports contain identifying information, trade lines, credit inquiries and public record and collections information. Your credit report will often have discrepancies between Equifax, Experian and Transunion, and you have the right to correct any innacurate or incomplete information.

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What are the major Credit Reporting Agencies?

The three major credit reporting agencies, or credit bureaus, are Experian, Equifax and Transunion. Each agency will have various scoring models for a consumer, the most common of which is the FICO score.

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The FCRA (Fair Credit Reporting Act) regulates credit reporting agencies and consumer reporting agencies

The FCRA requires that information be reported accurately. Common FCRA violation examples are reporting old debts as new or re-aged and failing to report a debt was discharged in bankruptcy. The consumer has the right to dispute and credit reporting agencies must correct or delete any inaccurate, incomplete or unverifiable information within 30 days of the receiving notice of dispute.

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