Questions answered by Nathan E. DeLadurantey

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When someone inquires to your credit report without your permission can you sue them?

Nathan's answer | Answered on March 27, 2014

I'm going to go out on a limb - I think this person might have a solid "impermissible pull" case under 1681(b)(a). While we don't know if he...

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Are creditors, who don't furnish data to credit bureaus in Metro 2 format, in violation of the laws that govern that industry?

Nathan's answer | Answered on March 27, 2014

I agree with Daniel - it's time to gather up your documents and locate a competent FCRA attorney. Once you start getting into Metro 2 Codes, it's...

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How can I request a Pay-for-Delete if I haven't been contacted, but I have a collections account on my credit report?

Nathan's answer | Answered on March 27, 2014

Was it a Verizon wireless account, or was it for local services? While I agree with Danielle's answer on the process to dispute the debt, the...

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How long does a debt collector have to validate a debt in WI when no time limit was set in the letter?

Nathan's answer | Answered on March 18, 2014

I agree with Shaye - plus you need to look at any additional rights you have under the Wisconsin Consumer Act (it's one of my favorite bodies of...

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Any lawyers on here involved in TCPA VIOLATIONS against a national bank

Nathan's answer | Answered on March 17, 2014

I agree with Shaye. Other places to look include www.naca.com The legal bodies of law you're referencing are very (and I repeat VARY) niche. ...

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An auto dealer pulled my credit report two times without permissible purpose which they admit. Is this a violation of the FCRA.

Nathan's answer | Answered on March 17, 2014

Yeah, sounds like you may have an impermissible pull case (good job on the research you've already done!) under 1681b(f) of the FCRA. With that...

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Some accounts suddenly appeared on my credit report as if I had just defaulted on them. If mine, they are 10+ years old. Legal?

Nathan's answer | Answered on March 10, 2014

Here are my thoughts: You can (and should) dispute the accounts with all three of the credit bureaus. That will likely take care of getting...

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Do I have a case of FDCPA violation?

Nathan's answer | Answered on March 10, 2014

Here are my thoughts: You can (and should) dispute the accounts with all three of the credit bureaus. That will likely take care of getting...

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What are the laws regarding the sale of debt? How does that affect debt falling off on credit reports?

Nathan's answer | Answered on March 10, 2014

Here's my $0.02 on this issue. As referenced by the other attorneys, you have to distinguish between your personal liability on the debt...

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What action can I take if credit reporting agencies fail to "answer"/resolve, a dispute on reporting a credit issue?

Nathan's answer | Answered on March 07, 2014

I agree with Micah - and it sounds like you need to go find an attorney with experience in the FCRA.

Nathan E. DeLadurantey's Answers (1313)

When someone inquires to your credit report without your permission can you sue them?

Are creditors, who don't furnish data to credit bureaus in Metro 2 format, in violation of the laws that govern that industry?

How can I request a Pay-for-Delete if I haven't been contacted, but I have a collections account on my credit report?

How long does a debt collector have to validate a debt in WI when no time limit was set in the letter?

Any lawyers on here involved in TCPA VIOLATIONS against a national bank

An auto dealer pulled my credit report two times without permissible purpose which they admit. Is this a violation of the FCRA.

Some accounts suddenly appeared on my credit report as if I had just defaulted on them. If mine, they are 10+ years old. Legal?

Do I have a case of FDCPA violation?

What are the laws regarding the sale of debt? How does that affect debt falling off on credit reports?

What action can I take if credit reporting agencies fail to "answer"/resolve, a dispute on reporting a credit issue?