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patio11's profile
Patrick McKenzie
Patrick McKenzie
Patrick McKenzie
@patio11

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Patrick McKenzie

@patio11

I work for the Internet, at @stripe, mostly on accelerating startups. Opinions here are my own.

東京都 Tokyo
kalzumeus.com
Joined February 2009

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    1. Patrick McKenzie‏ @patio11 8 Sep 2017
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      You will be inclined to do things over phone, because credit reporting agencies and banks push people to it (and lately apps). No. Calls.

      1 reply 83 retweets 379 likes
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    2. Patrick McKenzie‏ @patio11 8 Sep 2017
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      Everyone attached to a telephone at a CRA has scripts which are optimized for getting you off the phone and minimal ability to help.

      1 reply 64 retweets 384 likes
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    3. Patrick McKenzie‏ @patio11 8 Sep 2017
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      If someone has opened an account in your name do not call the bank and ask them to close it. You do not have or want authority on acct!

      19 replies 251 retweets 797 likes
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    4. Patrick McKenzie‏ @patio11 8 Sep 2017
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      You should file a police report locally and get the police to issue a paper copy or receipt. It doesn't matter if they investigateZ

      5 replies 117 retweets 522 likes
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    5. Patrick McKenzie‏ @patio11 8 Sep 2017
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      You will snailmail copy of that report to the bank's legal department (address available online) with a short letter.

      3 replies 81 retweets 447 likes
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    6. Patrick McKenzie‏ @patio11 8 Sep 2017
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      The contents of the letter: you did not open; correct immediately; any collections activity including reporting to CRAs a FCRA violation.

      2 replies 87 retweets 573 likes
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    7. Patrick McKenzie‏ @patio11 8 Sep 2017
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      The bank is responsible for all damages and this letter is specific written notice of your complaint. You require resolution immediately.

      1 reply 80 retweets 492 likes
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    8. Patrick McKenzie‏ @patio11 8 Sep 2017
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      You also require all communication about the matter to be in writing to you.

      3 replies 70 retweets 439 likes
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    9. Patrick McKenzie‏ @patio11 8 Sep 2017
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      Why do you write these things? Because you a) start the clock on a variety of regulatory state machines and b) signal that you know that.

      2 replies 85 retweets 560 likes
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    10. Thomas H. Ptacek‏ @tqbf 9 Sep 2017
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      Replying to @patio11

      I think this may have been missing (or underplayed) in your blog post.

      1 reply 0 retweets 1 like
      Patrick McKenzie‏ @patio11 9 Sep 2017
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      Replying to @tqbf

      Thanks, will try taking a whack at it tomorrow. Which of "starts clocks" and "signals you know clocks exist", or both, did I under cover?

      10:01 AM - 9 Sep 2017
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      • Eli Courtwright
      1 reply 0 retweets 1 like
        1. Dan Jackson‏ @_danj_ 9 Sep 2017
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          Replying to @patio11 @tqbf

          Any more to it than the section w/"variety of timelines"? I understood the timeframe being relative to their receipt of certified mail.

          0 replies 0 retweets 0 likes
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