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Got a caller who was insistent that the credit bureau I work for (not the one that had the data breach) had allowed him to be hacked because he had no credit accounts that were reporting for him.
I check his report, all the accounts that he had with us were in dispute and not reporting at this time (he'd filed the disputes, not reporting during them is normal and he was told it would happen when they were filed).
Solution to this is wait for disputes to finalize, and/or call other creditors and ask they report to us in the meantime if he wants. Caller is informed of this and insists he will not do so, that we have allowed him to be breached as well, and must research why the accounts are not reporting, and also call his other creditors and ask them to report for him, as he is paying for a membership with us (true) and this is part of our job and is included with his membership (not the case, credit bureaus only furnish data and provide scores. Requesting his creditors report to us must be done by him, as the account holder is the only one with legal standing to do so.)
I explain this to him, and reiterate what the membership does (online reports and scores) when he asks, "Well what am I *paying* you people for then?!?"
Customer then states that since I am stupid and ignorant, he wants a manager to do this research and request for creditors to report for him and call him back about it, since he is a paying customer. I reply that this is not possible either, but that if he would like I can connect him with a manager so they can explain this to him also. (in the hope that he will actually believe them)
Customer refuses to speak to a manager, says I should make the request for him (expressed as "just do your *redacted* job!"). I reiterate, that is not what we do here, my job is helping you understand your membership and credit report, which I am doing, and that I can make the request for him, but it would not then be honored anyway, as we cannot and do not provide such services (legal reasons etc.) and besides, Customer is the only one with standing to make the request of his creditors anyway. They wouldn't comply with us to start with.
Cue customer hanging up after complaining that we are refusing to help a paying customer and that he is going to file a lawsuit, that he will make sure I personally am cited in it as well, with more bad language.
I check his report, all the accounts that he had with us were in dispute and not reporting at this time (he'd filed the disputes, not reporting during them is normal and he was told it would happen when they were filed).
Solution to this is wait for disputes to finalize, and/or call other creditors and ask they report to us in the meantime if he wants. Caller is informed of this and insists he will not do so, that we have allowed him to be breached as well, and must research why the accounts are not reporting, and also call his other creditors and ask them to report for him, as he is paying for a membership with us (true) and this is part of our job and is included with his membership (not the case, credit bureaus only furnish data and provide scores. Requesting his creditors report to us must be done by him, as the account holder is the only one with legal standing to do so.)
I explain this to him, and reiterate what the membership does (online reports and scores) when he asks, "Well what am I *paying* you people for then?!?"
Customer then states that since I am stupid and ignorant, he wants a manager to do this research and request for creditors to report for him and call him back about it, since he is a paying customer. I reply that this is not possible either, but that if he would like I can connect him with a manager so they can explain this to him also. (in the hope that he will actually believe them)
Customer refuses to speak to a manager, says I should make the request for him (expressed as "just do your *redacted* job!"). I reiterate, that is not what we do here, my job is helping you understand your membership and credit report, which I am doing, and that I can make the request for him, but it would not then be honored anyway, as we cannot and do not provide such services (legal reasons etc.) and besides, Customer is the only one with standing to make the request of his creditors anyway. They wouldn't comply with us to start with.
Cue customer hanging up after complaining that we are refusing to help a paying customer and that he is going to file a lawsuit, that he will make sure I personally am cited in it as well, with more bad language.
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