Thank you for joining RegulationRoom, no.debt.here. As you mentioned, collectors generally shouldn't be contacting you more than once if you aren't the person they're looking for and you don't know where that person is. Collectors are, however, allowed to call you again if they "reasonably" believe that you gave an incorrect or incomplete reply the first time they called, and that you now know where the person of interest actually is. Do you have suggestions on how CFPB can define when it is and isn't reasonable for a collector to believe someone now has correct contact information for the debtor?
Collectors are not calling me repeatedly because they don't believe me. They are calling me repeatedly because there are so many people with the same last name as me and one of my initials. It is just as annoying to get frequent calls about different individuals as it is to get frequent calls about the same individual.
Moderator
1
Thank you for joining RegulationRoom, no.debt.here. As you mentioned, collectors generally shouldn't be contacting you more than once if you aren't the person they're looking for and you don't know where that person is. Collectors are, however, allowed to call you again if they "reasonably" believe that you gave an incorrect or incomplete reply the first time they called, and that you now know where the person of interest actually is. Do you have suggestions on how CFPB can define when it is and isn't reasonable for a collector to believe someone now has correct contact information for the debtor?
View this comment in the discussion thread
no.debt.here
2
Collectors are not calling me repeatedly because they don't believe me. They are calling me repeatedly because there are so many people with the same last name as me and one of my initials. It is just as annoying to get frequent calls about different individuals as it is to get frequent calls about the same individual.
View this comment in the discussion thread