Central Finance Control had placed this negative items on my credit reports without notifying me. I filed an dispute with Central Finance Control on XXXX and they never responded to my dispute. Central Finance Control violated the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. I had requested this items deleted off the CRA within 15 days from the date of the dispute letter.