Federal Trade Commission
Board of Governors of the Federal Reserve System

Report to Congress
On The
Fair Credit Reporting Act Dispute Process

Submitted to the Congress Pursuant to Section 313(b) of the
Fair and Accurate Credit Transactions Act of 2003

August 2006

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Public Comments

1. Abney, Joan (9/17/2004) # OP-1209_124
   
2. Akinseye, Lisa (9/13/2004) # OP-1209_073
   
3. Alonso, Florencio (9/14/2004) # OP-1209_065
   
4. American Bankers Association (Feddis, Nessa) (9/17/2004) # OP-1209_100
   
5. Anonymous (9/12/2004) # OP-1209_056
   
6. Anonymous (9/14/2004) # OP-1209_067
   
7. B., Mary (8/25/2004) # OP-1209_014
   
8. Baker, Christine (9/17/2004) # OP-1209_111
   
9. Ballstadt, David A. (9/14/2004) # OP-1209_066
   
10. Barker, Barbara (9/17/2004) # OP-1209_093
    
11. Beale, Jim (8/25/2004) # OP-1209_011
    
12. Bentley, George (8/25/2004) # OP-1209_018
    
13. Bodiford, David K. (8/24/2004) # OP-1209_006
    
14. Boeing Employee's Credit Union (Oakland, Gary ) (8/27/2004) # OP-1209_125
    
15. Bolthouse, Jim (9/18/2004) # OP-1209_109
    
16. Boostrom, Ronald A. (9/3/2004) # OP-1209_034
    
17. Boyd, James (9/5/2004) # OP-1209_038
    
18. Branch Banking and Trust Company (Vaughn, Mark D.) (9/17/2004) # OP-1209_098
    
19. Bundy, Don (8/10/2004) # OP-1209_002
    
20. Burch III, Colin (8/24/2004) # OP-1209_008
    
21. Burke, John (8/5/2004) # OP-1209_004
    
22. C., Laurie (9/12/2004) # OP-1209_062
    
23. Cain, Roxanne (9/16/2004) # OP-1209_084
    
24. California Association of Realtors (Pettijohn, Ann) (9/17/2004) # OP-1209_115
    
25. Cherisol, Nadine (9/13/2004) # OP-1209_054
    
26. Clifton, Deborah (9/17/2004) # OP-1209_101
    
27. Clifton, Deborah A. (9/17/2004) # OP-1209_105
    
28. Clifton, Deborah A. (9/8/2004) # OP-1209_044
    
29. Coalition to Implement the FACT Act (Tassey, Jeffrey A.) (9/17/2004) # OP-1209_103
    
30. Consumer Data Industry Association (Pratt, Stuart) (9/17/2004) # OP-1209_102
    
31. Cookson, Mark (9/13/2004) # OP-1209_072
    
32. Cowan, Suzanne L. (9/16/2004) # OP-1209_086
    
33. Creager, Christie L. (9/15/2004) # OP-1209_081
    
34. Daileys (8/26/2004) # OP-1209_027
    
35. Daily-Richardson, Laura (9/8/2004) # OP-1209_042
    
36. Davis, Paul (8/25/2004) # OP-1209_017
    
37. Davis, Paul (8/24/2004) # OP-1209_025
    
38. Doyle, Lola M. (9/11/2004) # OP-1209_058
    
39. Eaton, Jeffrey (9/15/2004) # OP-1209_047
    
40. Edwards, Crystal (9/12/2004) # OP-1209_061
    
41. Equifax Information Services, LLC (Mast, Kent E.) (9/17/2004) # OP-1209_094
    
42. First Community Mortgage (Bobbitt, Matt) (8/24/2004) # OP-1209_012
    
43. Fisher, Greg (9/17/2004) # OP-1209_106
    
44. Fitzerald, Charlie (8/25/2004) # OP-1209_016
    
45. Florida Association of Mortgage Brokers (Johnson, Van R.) (9/17/2004) # OP-1209_119
    
46. Ford County State Bank (Powers, Merrill) (9/8/2004) # OP-1209_046
    
47. Garino, Paul (11/20/2004) # OP-1209_126
    
48. Gershon, Herbert (8/19/2004) # OP-1209_033
    
49. Gross, Elena (8/26/2004) # OP-1209_030
    
50. Gruber, Lauren and Douglas (9/16/2004) # OP-1209_087
    
51. H., Thomas (9/16/2004) # OP-1209_082
    
52. Hale, Jordan (9/8/2004) # OP-1209_043
    
53. Harper, Gerald D. (8/28/2004) # OP-1209_032
    
54. Henderson, Elana (8/25/2004) # OP-1209_024
    
55. Henry, Carrie (9/14/2004) # OP-1209_077
    
56. Hilliard, Ben L. (9/13/2004) # OP-1209_078
    
57. Hilliker, Glenn (8/26/2004) # OP-1209_026
    
58. Hite, Karen (9/8/2004) # OP-1209_040
    
59. Holland, Bobby L. (9/15/2004) # OP-1209_083
    
60. Hrynyk-Bampoe, April (9/17/2004) # OP-1209_108
    
61. Isiminger, Shelli (9/5/2004) # OP-1209_037
    
62. Jackson, Joel E. (9/13/2004) # OP-1209_071
    
63. Jackson, Ron V. (9/8/2004) # OP-1209_039
    
64. Jehlik, Scott (9/17/2004) # OP-1209_096
    
65. Jensen, Winnie (9/12/2004) # OP-1209_070
    
66. Johnson, Echo (10/8/2004) # OP-1209_123
    
67. Jones, LaRonda (9/12/2004) # OP-1209_051
    
68. Juniper Bank (Stetka, Scot S.) (9/17/2004) # OP-1209_097
    
69. Lawrence, Cathy A.. (9/12/2004) # OP-1209_060
    
70. Leggett, Kenneth E. (9/12/2004) # OP-1209_059
    
71. Lorenzo, Kenneth (9/12/2004) # OP-1209_057
    
72. MBNA America Bank, N.A. (Crouse, Joseph R.) (9/27/2004) # OP-1209_122
    
73. McMillan, Deidra (9/13/2004) # OP-1209_050
    
74. Miles, Maureen (9/9/2004) # OP-1209_045
    
75. Mills, Robert (8/25/2004) # OP-1209_015
    
76. Moen, Deirdre Saoirse (9/16/2004) # OP-1209_085
    
77. Morgan, Tomiko T. (9/17/2004) # OP-1209_120
    
78. Mortgage Bankers Association (Kempner, Johathan L.) (9/17/2004) # OP-1209_118
    
79. N., Thomas (9/12/2004) # OP-1209_048
    
80. National Association of Mortgage Brokers (Moon, Tobias) (9/24/2004) # OP-1209_121
    
81. National Association of Realtors (Ventrone, Joseph M.) (9/17/2004) # OP-1209_095
    
82. National Association of Realtors (9/17/2004) # OP-1209_112
    
83. National Consumer Law Center (Rodriguez, Anthony) (9/17/2004) # OP-1209_099
    
84. National Credit Reporting Association (Clemans, Terry) (9/17/2004) # OP-1209_091
    
85. National Credit Reporting Association (Clemans, Terry) (9/17/2004) # OP-1209_113
    
86. Nicholson, Leslie K. (9/12/2004) # OP-1209_053
    
87. Oliva, Karsten (9/5/2004) # OP-1209_036
    
88. Parker, Barbara (9/12/2004) # OP-1209_052
    
89. Peralta, Leslie A. (8/26/2004) # OP-1209_029
    
90. Peralta, Leslie Ann (9/18/2004) # OP-1209_107
    
91. Phinney, Debera J. (9/18/2004) # OP-1209_110
    
92. Pro Biz Services (8/25/2004) # OP-1209_019
    
93. Ragan, Mike (9/13/2004) # OP-1209_055
    
94. Ramsey, Penny (9/17/2004) # OP-1209_090
    
95. Ramstad, Rex A. (8/24/2004) # OP-1209_028
    
96. Ratcliff, Mia (8/24/2004) # OP-1209_010
    
97. Raymond, Kevin (9/14/2004) # OP-1209_079
    
98. Regan, Marilyn (8/27/2004) # OP-1209_035
    
99. Riffel, Leland (9/17/2004) # OP-1209_104
    
100. Romine, Kirk (8/24/2004) # OP-1209_013
     
101. Roth, Alan (9/13/2004) # OP-1209_074
     
102. Shafel, Ruth E. (9/14/2004) # OP-1209_068
     
103. Shands, Stacey (9/12/2004) # OP-1209_069
     
104. Sheffler, Susan (8/25/2004) # OP-1209_020
     
105. Smith, Dawn (8/25/2004) # OP-1209_021
     
106. Streit, Cecilia (9/13/2004) # OP-1209_088
     
107. Terri (8/25/2004) # OP-1209_023
     
108. Thompson, Gary and Amy (9/15/2004) # OP-1209_064
     
109. Transunion LLC (Blenke, John W.) (9/17/2004) # OP-1209_092
     
110. Ultimate Credit Solutions Inc. (Detweiler, Gerri) (9/17/2004) # OP-1209_089
     
111. Underhill, Wallace (8/25/2004) # OP-1209_022
     
112. Visa U.S.A. Inc. (Schrader, Russell W.) (9/10/2004) # OP-1209_049
     
113. Watkins, Carolie (9/14/2004) # OP-1209_080
     
114. Watson, W. Robert (8/24/2004) # OP-1209_009
     
115. Webb, Michael (9/13/2004) # OP-1209_076
     
116. Wells Fargo & Company (Bates, Michael T.) (9/17/2004) # OP-1209_117
     
117. Werner, Randy (8/24/2004) # OP-1209_007
     
118. West, Dana R. (8/19/2004) # OP-1209_005
     
119. West, Sandy (9/8/2004) # OP-1209_041
     
120. Williamson, Marc (9/13/2004) # OP-1209_075
     
121. Wood, Kristine A. (9/14/2004) # OP-1209_063
     
122. YFL (8/27/2004) # OP-1209_031
     
123. Zepp, Michelle (8/9/2004) # OP-1209_001
     
124. Zions Bancorporation (Gately, Kathy) (9/17/2004) # OP-1209_116