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Despite this prohibition, Consumer Data Industry Association (CDIA) stated in their May 22, 2006 comments to the FTC that “one of our members testified that more than 30 percent of all consumer disputes were generated by credit repair agencies, which commonly dispute accurate, derogatory information with the sole intention of having that information deleted from the file”. The Credit Reporting Agencies (CRA’s) response is the creation of an Automated Consumer Dispute Verification (ACDV) system that is designed to speedily handle a tremendous volume of disputes. Any letter that appears to have been sent from a credit repair agency (apparently more than 30% of all disputes appear so) may be labeled “frivolous” under a provision of the Fair Credit Reporting Act (FCRA). This labeling effectively ends the investigation process by the CRA’s on your behalf. Is it any wonder why the majority of credit repair companies have a bad reputation? Their form letters do not work. There is no magic form letter that will make bad credit go away. Imagine working in the dispute resolution department for a furnisher or a CRA. According to court testimony in Carol Fleischer v. Trans Union, et al. US District Court for the Eastern District of Michigan (Southern Div); Case No. CV 02-71301, Capital One employees processed approximately 4,000 disputes daily and each employee was responsible for processing thirty disputes per hour. With such a high volume of disputes viewed by these employees, do you believe that the repeated use of a credit repair companies form letter would go unnoticed? Of course it wouldn’t. Please note the following excerpt from the Fair Credit Reporting Act: