I believe that this practice in already in place in three major ways. The creditor usually already requires all of their customers to provided updated contact information, Once a consumer moves the address change and other contact information changes are updated on the consumers credit report, and finally, The USPS has records of mail forwarding procedures once a consumer moves.
You raise an issue that has two distinct definitions: "sent" and "received" I don't think that any consumer wishes that they "receive" a notice that wasn't "sent" in the first place. In addition, letters and parcels get lost in the mail all the time. If there is a requirement for a credit/collector to "send" the notices you are referring to, the first place to send them are going to be an address that is on file. If the letters then get returned, then you would know that they are not at the address that is on file. But the letters have to be "sent" in the first place.
Thank you for your comment, MER. Based on your experience, what do collectors do when a consumer’s address is out-of-date? What about other ways of contacting the consumer, such as phone calls and emails? Please consider sharing more information or suggestions under our locating consumers topic post here. In addition, you may want to join the conversation on notifying consumers when a debt has been sold here. Do you think consumers may be more likely to update their address if they have contact information for the current debt owner or collector?
stopwithspoofedcallerID
1
I believe that this practice in already in place in three major ways. The creditor usually already requires all of their customers to provided updated contact information, Once a consumer moves the address change and other contact information changes are updated on the consumers credit report, and finally, The USPS has records of mail forwarding procedures once a consumer moves.
View this comment in the discussion thread
stopwithspoofedcallerID
2
You raise an issue that has two distinct definitions: "sent" and "received" I don't think that any consumer wishes that they "receive" a notice that wasn't "sent" in the first place. In addition, letters and parcels get lost in the mail all the time. If there is a requirement for a credit/collector to "send" the notices you are referring to, the first place to send them are going to be an address that is on file. If the letters then get returned, then you would know that they are not at the address that is on file. But the letters have to be "sent" in the first place.
View this comment in the discussion thread
Moderator
3
Thank you for your comment, MER. Based on your experience, what do collectors do when a consumer’s address is out-of-date? What about other ways of contacting the consumer, such as phone calls and emails? Please consider sharing more information or suggestions under our locating consumers topic post here. In addition, you may want to join the conversation on notifying consumers when a debt has been sold here. Do you think consumers may be more likely to update their address if they have contact information for the current debt owner or collector?
View this comment in the discussion thread