I enjoyed reading this. Question for patio11 or others more knowledgeable about this - could a chatbot similar to the one being used to fight traffic tickets be useful in keeping a paper trail and putting the fear of god into banks/CRAs when this happens? Because why not automate this, especially for people who aren't as articulate/level-headed/organized, who might otherwise bungle it?
Decision trees for interpretation of the law are fraught; talk to a lawyer about where the line is.
The reason for not automating communications is in the post. The CRAs have carte blanche to straight-up ignore anything which they think comes from an automated process or a firm/organization specializing in helping people with their credit.
Could you potentially automate some of the record keeping? Possibly. Could you automate the sending of paper? Certainly. Automating the receipt of paper is tricky since, for all the predictable reasons, someone last living at 123 Maple St will have a lot of difficulty telling the bank or CRA to mail them at 1234 Commercial Parkway Suite 666 to discuss their credit. (You can do it, and I have done it, but expect to be put through some identity verification hoops.)
