aldabog

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About aldabog

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  1. I ordered a credit report from TU so I can get a file# & contact them directly (chi-ching $$). I already ordered from Privacy Guard. I spoke with TU rep & asked for the account nos. that were added to my CR. I called few CA that reported the problem. I gave them the account no. & asked for the name in the account - they gave me a different name but with the same last name. I told them that they reported it under my name. I also disputed it with TU saying 'NOT MINE'. I hope that this is an easy one. I will keep you guys posted... Any input/output? Thanks!
  2. I will try to call TU tomorrow and ask them about these mistakes. I'll keep all of you posted. Thanks.
  3. I disputed 4 medical bills on 07/07/04 (grand total of $700) to TU. I checked my credit yesterday 07/08/04 & I expected to see the 4 medical bills I just disputed - which I did. I checked my credit again today 07/09/04 and I saw MORE medical collection items (about 6 more + 4 from previous) totalling $28,000 - WOW !!!! I looked at my personal profile & saw a different address with my name on it. I have lived here in Illinois ever since (never moved out of state) & the report shows a current address in California. Experian & TU now have this California address. How the heck did this happen??? Is this an Identity Fraud or TU is doing this on purpose? How do I handle this? Do I need to send a 'NOT MINE' letter & attach a Driver's License, SSN, old bill that reflects my current address, old paycheck stub ??? Please help !!! I was shocked when I saw my credit report today. These medical bills aren't really mine. Any comments is very much appreciated !!
  4. I disputed 4 medical bills on 07/07/04 (grand total of $700) to TU. I checked my credit yesterday 07/08/04 & I expected to see the 4 medical bills I just disputed - which I did. I checked my credit again today 07/09/04 and I saw MORE medical collection items (about 6 more + 4 from previous) totalling $28,000 - WOW !!!! I looked at my personal profile & saw a different address with my name on it. I have lived here in Illinois ever since (never moved out of state) & the report shows a current address in California. Experian & TU now have this California address. How the heck did this happen??? Is this an Identity Fraud or TU is doing this on purpose? How do I handle this? Do I need to send a 'NOT MINE' letter & attach a Driver's License, SSN, old bill that reflects my current address, old paycheck stub ??? Please help !!! I was shocked when I saw my credit report today. These medical bills aren't really mine. Any comments is very much appreciated !!
  5. I actually have the same thing. I was able to delete few items from TU a month ago. I looked at my credit yesterday & it was fine. I checked it today ang guess what I saw? More collection items saying MEDICAL (about 6 of them) totalling $28,000. I checked my personal profile & I saw a different current address - somebody with the same name in California ( I'm an IL residence ). I freaked out !!! I don't know if this is TU or if this is Identity Fraud ? This is really not my stuff ! I'll keep you posted, please keep me updated too. Any input/output from anyone is appreciated.
  6. I disputed 4 medical bills on 07/07/04 (grand total of $700) to TU. I checked my credit yesterday 07/08/04 & I expected to see the 4 medical bills I just disputed - which I did. I checked my credit again today 07/09/04 and I saw MORE medical collection items (about 6 more + 4 from previous) totalling $28,000 - WOW !!!! I looked at my personal profile & saw a different address with my name on it. I have lived here in Illinois ever since (never moved out of state) & the report shows a current address in California. Experian & TU now have this California address. How the heck did this happen??? Is this an Identity Fraud or TU is doing this on purpose? How do I handle this? Do I need to send a 'NOT MINE' letter & attach a Driver's License, SSN, old bill that reflects my current address, old paycheck stub ??? Please help !!! I was shocked when I saw my credit report today. These medical bills aren't really mine. Any comments is very much appreciated !!!
  7. Sorry, Boogieman. Here it is. Goodluck ! http://www.ftc.gov/os/statutes/fdcpa/letters/cass.htm
  8. Actually, 5 Collection Agencies that I DV'd stopped reporting to all 3 CRA. I was a bit surprise! I mailed (06/18/2004) and requested to all CRA to remove the remaining 4 items on my report due to ***unable to validate***. I enclosed my 1st letter, FTC opinion letter, and FCRA DV policy. I will keep you guys informed next month. Hopefully, this will take care of the remaining 4 items. Thanks for all your help !!!!
  9. I sent a DV letter (CR-RRR) to few CA and have not heard anything back from them. Do I need to send a 2nd letter or send the letter to CRA instead? They obviously did not validate. Thanks.
  10. I received a response letter from CA after sending a DV letter. Here is what was written. Dear RR, Thank you for your request for further validation of your Nicor Gas Acct. Enclose please find a computer print out of information given to us by the preivious creditor. Please contact me so that we can work toward resolving this matter. This is an attempt to collect a debt and any information obtained will be used for that purpose. Please be advised CFC Financial LLC was formerly known as CFC Fin. Corp. Sincerely, Compliance Specialist ---------------------- 1st, the print out doesn't look like from the OR. 2nd, they did not provide me with anything concrete (signed documents). WHAT IS MY NEXT STEP? PLEASE HELP ! Thanks a million to all... RR
  11. I DV'd (CM-RRR) a medical collection agency last month and it has been 30 days now. What should I do next? Does anyone have any SAMPLE LETTER I can send as a follow up for my DV Letter? Any help is very much appreciated. Thank you very much !!!!!
  12. I got my disputes deleted ! It's my FIRST one.
  13. I have requested a deletion of an obsolete account (Judgment - Visa). It was actually paid back via wage garnishment last year. The judgment was filed on 04/1997 but w/ TranUnion's report it says that it was reported on 1999. I sent TU a copy of my credit report and a copy of my judgment release letter and it states that it now satisfies the judgment filed on 4/1997. So, I told TU that if the Judgment was filed on 4/1997 then the DOLA must be way before that time. Bottom line is, it has been 7 years & they must remove it. After a week, I got a letter from TU saying this letter is a response from my inquiry. Their letter does not say anything besides FCRA rules such as; it can be reported for 7 years, etc... They did not say much about my dispute. PLEASE HELP! Thanks a million !