Antionette Byrd

March 2020 to Present:

Respond to high volume credit disputes from Equifax Experian, and TransUnion via E-Oscar using Automated Consumer Dispute Verifications (ACDVs) for loan and credit card accounts.

Resolve direct credit reporting disputes from various channels: physical mail, email, and fax. Generate written responses within the Consumer Financial Protection Bureau (CFPB) and the Fair Credit Reporting Act (FCRA) guidelines.

Submit credit corrections/compliance code updates using Automated Universal Data (AUD) forms. Exceeding weekly and monthly goal of credit reporting disputes.

Investigate, valuate the validity of credit reporting disputes and determine whether corrections are warranted, update account records accordingly.

Accurately document findings and code disputes in the loan servicing system.

Conduct detailed research, including interpreting payment histories and verifying loan data such as posted payments, loan balances, Compliance adjustments, and potiential corrective action resolutions.

Resolve direct credit reporting disputes from various channels: physical mail, email, and fax. Generate written responses within the Consumer Financial Protection Bureau (CFPB) and the Fair Credit Reporting Act (FCRA) guidelines

Report dispute trends and findings to management. Communicate effectively with internal teams and external parties using strong verbal and written communication skills.

Collaborate with internal departments to resolve credit reporting disputes that involve regulatory body complaints, bankruptcy, fraud claims, and validation of debt disputes to en

sure accurate reporting.

June 2015 to March 2020:

Sr. Representative, Debt Management Department:

Assisting customers and Debt Management Companies /Representatives on negotiating payment arrangements for past due loans.

Meeting/exceeding collection goal of $190,000.00 quarterly and QA goal of 96%.

Resolve customer's and Debt Management Representative's inquiries and complaints from various channels: physical mail, email, and fax. Generate written responses within the Consumer Financial Protection Bureau (CFPB) and the Fair Credit Reporting Act (FCRA) guidelines.

Multitasking with Excel spreadsheets, google/Word documents

Communicating via email, 20-30 inbound/outbound calls daily, and mail

Participating in Mentor Program to motivate, empower, and encourage new hires in a 6-week training program.

Report delinquent account trends and findings to management. Communicate effectively with internal teams and external parties using strong verbal and written communication skills

• Lincensed in 21 states to educate clients on health insurance options to enhance understanding and decision-making.
• Analyzed client needs to recommend tailored benefit plans that align with individual requirements.
• Facilitated enrollment processes, ensuring compliance with regulatory guidelines and company policies.
• Developed training materials for new advisors, improving onboarding efficiency and knowledge retention. Extensive training and certification with healthcare.gov Federal Marketplace.