1. Introduction
Welcome to HL Hunt’s Personal Credit Dispute Services. By utilizing our services, you agree to comply with and be bound by the following Terms and Conditions. These Terms and Conditions govern our practices and obligations in handling credit disputes on behalf of our clients.
2. Dispute Reinvestigation Policy
HL Hunt is committed to ensuring that all credit disputes are handled promptly, accurately, and in accordance with the Fair Credit Reporting Act (FCRA).
2.1 Periodic Evaluation HL Hunt shall periodically evaluate dispute reinvestigation responses to ensure accuracy, efficiency, and compliance with regulatory standards.
2.2 Internal Policy/Procedure for Reinvestigation HL Hunt maintains a clear and documented internal policy and procedure for handling credit reinvestigations. This procedure outlines:
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Timeframes for processing disputes.
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Methods of communication with credit bureaus.
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Steps for verifying and reinvestigating disputed information.
2.3 Training of Employees All employees involved in the credit dispute resolution process are required to complete comprehensive training. This training includes:
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Compliance with the FCRA.
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Dispute investigation protocols.
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Handling consumer information securely and ethically.
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Procedures for updating consumer credit information.
2.4 Updating of Account Information Where applicable, HL Hunt shall ensure that any updates to a consumer’s credit information, as a result of a dispute, are communicated to the credit bureaus in a timely manner.
2.5 Processing of ACDVs Prior to FCRA Due Date HL Hunt shall process Automated Credit Dispute Verifications (ACDVs) prior to the expiration of the due date established by the FCRA.
2.6 Validation of Consumer PII HL Hunt shall validate personally identifiable information (PII) of consumers before initiating any dispute on their behalf to prevent inaccuracies or fraudulent activities.
3. Employee Oversight and Capacity
HL Hunt shall maintain an adequate number of trained employees to handle the volume of expected disputes. This includes periodic reviews to ensure staffing levels are sufficient to process disputes in a timely manner.
3.1 Review of Oversight Capacity HL Hunt shall review, at regular intervals, whether the number of employees managing dispute resolution aligns with the volume of disputes received. Adjustments to staffing levels shall be made as necessary to maintain efficiency.
4. Periodic Policy Evaluation
HL Hunt shall periodically evaluate all reinvestigation policies, procedures, and processes to ensure continued compliance with FCRA standards and internal best practices.
4.1 Documentation of Policy Changes All changes to internal policies or procedures shall be documented, and employees shall receive updated training to reflect any changes in policy.
4.2 Compliance Audits HL Hunt reserves the right to conduct internal audits to evaluate:
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The effectiveness of dispute resolution processes.
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Compliance with regulatory requirements.
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Adequacy of employee training.
5. Consumer Rights and Responsibilities
5.1 Consumer Responsibilities
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Provide accurate and complete information for dispute processing.
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Respond timely to requests for additional information.
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Review credit reports regularly and notify HL Hunt of any discrepancies.
5.2 Consumer Rights Consumers have the right to:
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Request status updates on their disputes.
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Receive written confirmation of dispute resolution outcomes.
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Obtain copies of communications exchanged with credit bureaus.
6. Limitation of Liability
HL Hunt shall not be held liable for:
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Any decision made by a credit bureau following the completion of an investigation.
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Delays caused by third parties such as credit bureaus or data furnishers.
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Inaccuracies provided by the consumer or third parties.
7. Changes to Terms and Conditions
HL Hunt reserves the right to amend these Terms and Conditions at any time. Changes will become effective upon notice to the consumer via email or updated terms posted on the company’s website.
8. Contact Information
For any questions regarding these Terms and Conditions, please contact: HL Hunt Dispute Services