We use a program called DealerTrack for our indirect lending. They also produce their own Adverse Action notices. On the notices i have been reviewing i have been seeing a lot of "Garnishment and attachment" as a reason for denial with no evidence of it on their credit report. So, i contacted them and they said that "Garnishment and attachment" includes collections, judgements and liens. I said "that's not specific enough" and they said that it "complies with the regulations"....but it doesn't, right? Doesn't the Reg and commentary state it has to be SPECIFIC and isn't listing collections on your credit report as "Garnishment and attachment" un-specific?