shaneIrish

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About shaneIrish

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    Impressive 100+ postings

core_pfieldgroups_99

  • Occupation
    16 year Firefighter/Paramedic

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    NY
  1. Hey..anyone? NYSEG New York State Electric and gas verified a $300 debt as valid after I disputed with EQ. They had proof that it was a $0 balance. Do I have a case?
  2. To summarize: We took NYSEG (Gas and Electric) out of my name and into my wife's name in August. NYSEG then sent the final bill of $300 to me at an address we have not lived in since 2007! In October NYSEG calls and says the service is going to be shut off for non payment of the final bill. I said.."I did not get a final bill"..they said.."we sent it to your address at 000 Main St..".I said.."we moved out of that house in 2007". They said "sorry, our error." I then paid the $300 over the phone. November rolls around and I get a call from Alliance One Collections. NYSEG sent the account to them for the non-payment of $300. I said I paid it, Alliance One says..they have not received notification of the payment. After numerous calls to NYSEG, they said it would be updated, it just takes time. I said If it appears on my credit report I'm going to be pissed, they promised it would not. December comes and the collection account shows up at EF, EQ and TU. I am livid!! I send Alliance One proof of the payment and numerous calls to NYSEG gets no response. Finally a NYSEG supervisor told me to dispute it...no ****! I dispute it and NYSEG verifies it as correct!!!! I'm freaking out!!! They verify the $300 owed as valid even after having proof that it is not. Certified letters are ignored...but finally it comes off my reports two days ago. I am still suing NYSEG for the FCRA violation of validating the debt as valid when it was not. What's your guys opinion, do I have a case? This is the certified letter I just sent: Attn: Please forward to your NYSEG Legal Department Dear NYSEG, NYSEG has violated my rights as outlined in the Fair Credit Reporting Act. In August 2012 the NYSEG service at xxxxxxxxxx was taken out of my name and put into my wife’s name, xxxxxxxx. NYSEG then erroneously sent the final bill(s) in the amount of $300 to xxxxxxxxxxx, an address we have not lived at since July 2007. NYSEG became aware of their error on 10/22/2012 and the $300 balance was paid over the phone. This account was erroneously sent by NYSEG to Alliance One Collections, a collection agency contracted by NYSEG. This collection account appeared on my credit files with all three major credit reporting agencies, Equifax, Experian and TransUnion. This has ruined my credit rating and has caused me much embarrassment and has put all my major purchases on hold. I wanted to refinance my house at a lower interest rate but, because of this collection, I am unable to do so. After numerous calls to NYSEG a NYSEG supervisor told me to dispute the account through the credit reporting agencies and it would be removed from my credit reports. On 12/04/2012 I disputed this collection account through Equifax. On or about 12/06/2012 NYSEG verified to Equifax that a $300 balance, that was sent to Alliance One Collections by NYSEG, was being reported correctly when in fact NYSEG knew it was a $0 balance and had proof of this. That incorrect verification by NYSEG of this dispute is a violation of the Fair Credit Reporting Act. The NYSEG account was paid in full on 10/22/2012 in the amount of $300. I have tried to resolve this dispute out of court and have sent NYSEG USPS certified letters on 12/07/2012 with my demands and proof of their error. I have received no correspondence back from NYSEG. In a good faith effort to resolve this issue out of court I am giving NYSEG five days to send me in writing via USPS that they have contacted Supervisor Ronald Davis at Alliance One Collections, 1-866-590-6322 and have instructed him to recall this account from any and all credit reporting agencies. I am also demanding $5000 from NYSEG for violating my rights as outlined the Fair Credit Reporting Act (FCRA). NYSEG has not followed compliance procedures as outlined in the FCRA § 607. Compliance procedures [15 U.S.C. § 1681e] and § 615. Requirements on users of consumer reports [15 U.S.C. § 1681m]. I will demand in court the maximum punitive damages allowed by law including court costs as outlined in the FCRA § 616. Civil liability for willful noncompliance [15 U.S.C. § 1681n] and § 617. Civil liability for negligent noncompliance [15 U.S.C. § 1681o]. I have attached most of the exhibits that I will use in court and will send NYSEG other documents as I receive them for discovery.
  3. I almost forgot how to fight this. I have not posted here in quite a while.
  4. In August we put NYSEG (New York State Electric and Gas) in my wife's name. NYSEG sent the final bills to an address I moved out of in 2007! Nyseg calls my wife in October and said they were going to turn off the service at the old address if it is not paid. She told them of their error and paid the balance, $300. In November I received a call from Alliance One saying i owed $300 and it would hit my credit report soon. I called NYSEG and they assured me that the Alliance One would be notified of the payment. In December it shows up on my credit report! I called NYSEG and they told me to dispute it. I disputed it and this is the result: >>> We have researched the collection account. Account # - 20xxxxxx The results are: We have verified thatthis item has been reported correctly. This creditor has verified to OUR company that the balance is being reportedcorrectly. Additional information has been provided from the original source regarding this item. If you have additionalquestions about this item please contact: Allianceone, 4850 E Street Rd Ste 300, Trevose, PA 19053-6643Phone: (877) 480-5110. So I sent this Certified: To whom it may concern, In August 2012 I, John Doe, transferred the NYSEG service at 0000 R0 Road, Lo0, NY 14000 into my wife’s name, Jane doe. NYSEG erroneously began sending the final bill to our old address at 000 Ch nut Street, Lo , NY 14000. An address we moved out of in 2007. On or about 10/22/2012 NYSEG contacted my wife through her cellphone and said the service was going to be terminated for non-payment. NYSEG then became aware of their error and the bill was paid in full leaving a zero balance. On or about 11/22/2012 a collection agency, Alliance One, contracted by NYSEG, called my house and demanded that the account be paid. I explained it was paid and Alliance One stated NYSEG never updated the account as paid. Alliance One also stated it would appear on my credit report if it was not paid soon. I contacted NYSEG and they assured me it would update to show a paid account and would not go on my credit report. On or about November 27, 2012 it appeared on my Equifax credit report as an UNPAID COLLECTION. I have called NYSEG to resolve this dispute and the advice I was given by a billing supervisor was to dispute the account through Equifax. I disputed the collection account on or about 12/1/2012. On 12/11/2012 I received a notice from Equifax that the investigation into this account was complete. And it states: >>> We have researched the collection account. Alliance One Account # – 20xxxxxx. NYSEG Account #10xxx-xx4-xxx The results are: We have verified that this item has been reported correctly. This creditor has verified to OUR company that the balance is being reportedcorrectly. Additional information has been provided from the original source regarding this item. If you have additionalquestions about this item please contact: Allianceone, 4850 E Street Rd Ste 300, Trevose, PA 19053-6643Phone: (877) 480-5110<<< I have no choice as my next step to file a lawsuit against NYSEG for violating my rights as outlined in the FCRA (Fair Credit Reporting Act). § 615. Requirements on users of consumer reports [15 U.S.C. § 1681m] NYSEG has falsly verified to Equifax and Alliance One that the account is not paid when in fact it was paid on 10/22/2012 and has a $0 balance. In a good faith effort to resolve this dispute out of court I am giving NYSEG 5 days to contact Ronald Davis at Alliance One, 1-866-590-6322. NYSEG needs to instruct Ronald Davis at Alliance One to remove this collection account # 2xxxxxx from any and all credit reporting agencies, including Equifax. If this is not done within 5 days then I will file suit against NYSEG and seek the full monetary penalty allowed by law as outlined in the FCRA § 616. Civil liability for willful noncompliance [15 U.S.C. § 1681n] and § 617. Civil liability for negligent noncompliance [15 U.S.C. § 1681o] I can be contacted at: 700-000-0000 Sincerely, John Doe Enc.CC: Jo Fr Esq.,000 East Avenue Lo, NY 14000 I just received this communication today from NYSEG: Dear Mr. R, Thank you for contacting us regarding the Alliance One referral. We have contacted Alliance One and we are in the process of having this recalled. This will be removed from your credit report, but it may take 30 days to reflect this. We apologize for any inconvenience. Sincerely, NYSEG Customer Service
  5. I was injured at work last year. The hospital billed the wrong company that I work for. Worker's comp. case. The bill was not paid and it went to Pinnacle collections. I called Pinnacle in September and told them the story and how the bill being sent to collections was an error and I was not responsible for it. They contacted my work and the hospital for a claim number. I have called them once a week and gave them all the numbers they should call. As of today it is still not paid and also on my credit report. The Pinnacle rep said it would be updated on my report as "paid" once it is paid. I said that is not good enough. My question.. since Pinnacle knows that the collection is an error should they remove it from my report?
  6. Once these debts are gone we will only buy with cash. We have learned our lesson the hard way about credit cards. We can afford the house as we live in Western N.Y. where the housing market has remained stable and houses are very affordable. As an example, the house we are building is 2600 square feet for $210,000 with very nice upgrades, lot included. I will talk to the lender to see what they think. Thanks.
  7. We are going to build a new house. I have $20,000 in CC debt and my wife has $10,000 in CC debt. We have $20,000 cash available to pay down this debt. My scores are 660-680 and my wifes are 650-670. Senario #1: I pay off all my debt and none of my wifes and my scores would jump to 755+ Senario #2 I pay off $15,000 of my debt and $5000 of my wifes and our scores would both be in into the low 700's. Senario #3 Pay off $10,000 of my debt and $10,000 of my wifes. My score would be close to 700 and my wifes around 720. What would be my best option? Thanks
  8. I sent a DV letter within 30 days crrr, no response after 30 days, what is my next step? It is not on my CR and was for $120 cell phone bill from 6 or 7 years ago.
  9. Sent them this letter and e-mailed, using read notify e-mail tracking (http://www.readnotify.com/), everyone I could find with an AFNI e-mail including Bruce F. Griffin, Chairman & CEO Afni, Inc.: Lisa Anderson Paralegal Afni, Inc. 1310 Martin Luther King Drive Bloomington, IL 61701 Re: Afni, Inc. Account #: 00000000000 Dear Ms. Anderson, I received your letter dated March 15, 2005 stating that Afni, Inc. has notified the credit reporting agencies to update the status of the above mentioned account. As of March 23, 2005 the accounts current status with the credit reporting agencies is still being falsely reported by Afni, Inc. as “120+ days past due”. Please reference the enclosed documents. Afni, Inc. is now in noncompliance of the Fair Credit Reporting Act § 607. Compliance procedures [15 U.S.C. § 1681e] and § 611. Procedure in case of disputed accuracy [15 U.S.C. § 1681i]. Afni, Inc. has ignored my previous demands and good faith efforts to resolve this dispute out of court. I will give Afni, Inc. 20 days from receipt of this letter to permanently delete this account from Equifax, Experian and Trans Union. If my demands are not met within this timeframe I will file a lawsuit against Afni, Inc. and seek the full civil liability amounts and any such additional damages the court may allow as outlined in the FCRA § 616. Civil liability for willful noncompliance [15 U.S.C. § 1681n] and § 617. Civil liability for negligent noncompliance [15 U.S.C. § 1681o]. I will also file complaints with the Federal Trade Commission, Better Business Bureau, ACA International and the New York State Attorney General. Sincerely, xxxxxxxxxxx 31 Street New York 00000 (000) 000-0000 Cc. Bruce F. Griffin, Chairman & CEO Afni, Inc. J , Esq. ReadNotify email tracking history To brucegriffin@afninet.com From Subject Certified Letter Sent on 18-Mar-05 at 17:55:26pm 'US/Eastern' time 1st Open 21-Mar-05 at 07:27:36am -5:00 (81%) Bloomington, Illinois, United States Tracking Details Opened at apparent address of: brucegriffin@afninet.com Opened 21-Mar-05 at 07:27:36am (UTC -5:00) - 2days13hours32mins10secs after sending Location Bloomington, Illinois, United States (81% likelihood) Opened on (12.158.7.75:44510) Language of recipient's PC: en-us (English/United States) Browser used by recipient: Moz/4.0 (MSIE 6.0; WinNT 5.0) Last log No more activity after 21-Mar-05 at 07:29:13am (UTC -5:00) - Log data indicates email was read for at least 1min37secs (approx.) Re-Opened Opened 21-Mar-05 at 08:12:47am (UTC -5:00) - 2days14hours17mins21secs after sending Location Bloomington, Illinois, United States (81% likelihood) Opened on (12.158.7.75:50628) Language of recipient's PC: en-us (English/United States) Browser used by recipient: Moz/4.0 (MSIE 6.0; WinNT 5.0) Last log No more activity after 21-Mar-05 at 08:16:56am (UTC -5:00) - Log data indicates email was read for at least 4mins9secs (approx.) Re-Opened Opened 21-Mar-05 at 16:54:14pm (UTC -5:00) - 2days22hours58mins48secs after sending Location Bloomington, Illinois, United States (81% likelihood) Opened on (12.158.7.75:57721) Language of recipient's PC: en-us (English/United States) Browser used by recipient: Moz/4.0 (MSIE 6.0; WinNT 5.0) Last log No more activity after 21-Mar-05 at 16:54:32pm (UTC -5:00) - Log data indicates email was read for at least 18secs (approx.) Re-Opened Opened 22-Mar-05 at 12:12:59pm (UTC -5:00) - 3days18hours17mins33secs after sending Location Bloomington, Illinois, United States (81% likelihood) Opened on (12.158.7.75:60376) Language of recipient's PC: en-us (English/United States) Browser used by recipient: Moz/4.0 (MSIE 6.0; WinNT 5.0) Summary - as at 23-Mar-05 at 08:08:51am (UTC -5:00) - 4days14hours13mins25secs after sending Total Opened 4 times by 1 reader Duration 3 opening occasions account for 6mins4secs total reading time
  10. I cannot pull up a new report at www.mycreditkeeper.com, they removed the button that you click to order a new report, my membership is still good.
  11. In a letter from CitiFinancial's Deputy General Counsel/VP they state "We have submitted a request to the three major credit-reporting agencies instructing them to delete the tradeline". The settlement agreement included that demand, if they relist it they violate the agreement and I could sue them again.
  12. I understand the settlement letter, just not the info I posted where I sign it. The letter states that I cannot sue them in the future in reference to this account, if they mess up another account I can sue them.
  13. I can remember a day not long ago when people used to reply to my posts
  14. Citifinancial for no good reason started reporting a account I had with them with no lates and that was closed in 1999 as "Pays 30 days late" I disputed, Citifinancial verified as correct, I sent my CRRR letters offering in a good faith effort to resolve this out of court delete the account from all 3 CRA's. Their "Resolution Specialist" said the account was being reported correctly to the cra's, the only problem was she checked the wrong account number, I have 2 accounts with CF. So I sent another letter CRRR again quoting the FCRA and said I have no other choice but to sue them for noncompliance of the FCRA, in an good faith effort to resolve out of court I demand $1000 from CF and the deletions from the cra's. I got a letter today and they agreed to pay me the $1000 as long as I signed the enclosed "Compromise, Settlement And Release Agreement" It is a little confusing and was hoping to get some help here. At the end it says: Executed this day of 2005 Acronym-Full Name By: Title: SSN/Tax/ID#: Date: Attorney for Acronym - Full Name By: Title: Tax ID# Date: Do I need my attorney to sign it? What or who is the "By"
  15. I just don't want the loophole to be closed up. Loose lips sink ships..and credit scores.