[RICKY]

<FONT size=1>JERSEEE...</FONT>


<FONT size=1>AS I READ THROUGH& TITLE 15gt;&CHAPTER 41 &gt;&SUBCHAPTER III, I'M SEARCHING FOR SOME OF THE THINGS I WANT TO KNOW BETTER...</FONT>


<FONT size=1>1. SEC 1681l...THE CODE SAYS THEY MUST VERIFY THE <U>ADVERSE ACTION</U>&INFORMATION THE CREDITORS GIVE THEM.</FONT>


<FONT size=1>SEC 1681K...ADVERSE ACTION IS DEFINED.</FONT>


<FONT size=1>HOW DO THEY DEFINE "<U>VERIFY</U>"? VERIFICATION <U>IN RESPECT TO CREDITORS' INFORMATION</U> IS NOT DEFINED IN SEC 1861a.& HERE, IT REFERS TO THE VERIFICATION OF INFORMATION ON THE <U>CONSUMER'S APPLICATION FOR CREDIT OR INSURANCE</U>.</FONT>


<FONT size=1>2.& I HAVE NOT FOUND WHERE THE CODE SPECIFICALLY SAYS CRA'S HAVE TO SHOW&<U>ME </U>A CERTIFIED VOD WHEN IT'S REQUESTED.& CAN YOU POINT ME THERE?</FONT>


<FONT size=1>THANKS,</FONT>


<FONT size=1>RICKY</FONT>


<FONT size=1></FONT>&