[irjustin]

I'll need help understanding why this letter doesn't make sense if I have bad debt (can agree it doesn't with the current article).

and which FCRA violation specifically? Basic read of FCRA... I don't see one.

[not2b]

If the person owes money the letter should describe how much is owed and what it is owed for.

[irjustin]

Please link a source for this one. Look, this is a great practice for sure, but we're in the realm of legal now.

I looked briefly[0] and couldn't find anything that explicitly that's what you need to do when describing options.

The only requirement that I can see they are *required* to do:

> furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.

And it needs to be 30 days. As far as I can tell, this is in good standing FCRA wise.

https://www.consumer.ftc.gov/articles/pdf-0111-fair-credit-r...

[not2b]

Sorry, no. You may be "in the realm of legal now", but I wasn't.

You fundamentally misunderstand what I was saying. I was not claiming that they were violating a legal requirement, just that they are behaving unethically, and if the rules allow this then new rules are needed.

[irjustin]

Ah sorry i thought you were replying to the FCRA violation part of the post.