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Everything posted by j_in_colorado

  1. This is how TransUnion responded to my complaint with the CFPB: "We received your complaint about the item(s) in your credit report, and apologize for any difficulty you may have experienced. We are currently investigating the disputed information and will contact the source(s) to advise them of your dispute. They will verify the accuracy of the item(s) and inform TransUnion of their results. We will follow-up with you within sixty (60) days from the date you submitted your request." Again, I submitted evidence that they are reporting this past the 7 years and they are not even acknowledging my evidence. This is ridiculous! They are still relying on the lying OC to "verify the accuracy of the item" and report it to them. Now I have to wait 60 days?!?! What is this?
  2. He said it might not be past the 7 years though. They supposedly sent the letter to me on June 4th 2008 and it states on my credit report that it was placed for collection on September 2008. It will be removed on August 2015. I paid what they told me to pay in May of 2008 then they audited the file or something and are back dating the amount starting from March 2007. So I guess technically the first date of delinquency would be June 2008 since that is when they are claiming they terminated me even though I reported that I was moving and no longer needed their services. So TransUnion may be getting sued, but what can I do to get this removed by the OC now? 623 letter? It is past the SOL in Colorado which is 6 years so I do have some negotiating power, but I prefer to use that if absolutely necessary.
  3. Called an attorney in Colorado this afternoon. He thinks we have a case against TransUnion and can possibly get it removed but I may need to find a lawyer in the state I live in. I sent him all the info. We shall see what he says by tomorrow. Here is the part where he is concerned: 1. TransUnion received my dispute by mail on November 4th 2014 2. TransUnion updated my CR the next day on November 5th 2014 as VERIFIED, NO CHANGE How can do a proper verification in a day. He doesn't even think they did anything with my dispute.
  4. I don't even live in colorado anymore so this is even more frustrating! I would love to sue these dumbasses but the 18 hour drive doesn't pan out well with my demanding job and children in school. I may draw up a civil lawsuit myself and fax it to them to see if that scares them into deleting it. I never do get the easy ones!!
  5. I am soooo frustrated with this whole situation and desperately need help!!! I am trying to buy a house and they pulled my credit report and a collection came up that I never knew about. Yes, I did do business with this company, but I left on good terms with zero balances. The creditor is the Housing Authority in Colorado Springs. I had lost my job in 2005 and applied and received housing. I paid a discounted rent until I could finish college and find employment. In 2008 I accepted a job in Denver so I wrote them a letter saying thank you for helping me and I no longer need assistance because I found a great job and I am transferring to Denver. I moved out of the apartment I was in, received my security deposit back even, and everything was settled with housing and I had a zero balance. Now, 7 years and 8 months later, I find a mark on my credit report saying I owe $9,255!! Ouch! And of course I can't move forward with my house purchase with this on there. So I of course start with the creditor. They send me a letter dated June 4th 2008 saying I became delinquent in March 2007 and I owe $653 from 3/2007 to 5/2008. I asked them why and they said because I didn't report income to them and was working at the job I left to Denver for. They have a job offer letter saying I worked there from March 2007 but I started that job in June 2008 which is why I left. They completely have the wrong dates. I sent them my income taxes from 2007 and 2008 showing exactly when I started working at that job and they are just playing dumb because they know I want this deleted from my credit report ASAP and I'm gonna lose this house because of this. So I sent a dispute letter to transunion with all the evidence on October 28th. I sent it certified return receip requested. They received it on November 4th. On November 5th they updated my credit report as "verified, no change"!!! I just got the letter today and called them. They told me that they didn't look at the evidence that I sent in because it's not up to them and they just report what the collector says. They re disputed it for me today but I'm pretty sure the collector is going to update it again tomorrow saying it's accurate. I asked Transunion about the 7 year reporting and they said yes, they can only report it 7 years from the date of delinquency. So I asked the guy why he didn't look at the statement I sent to them showing the date of delinquency as March 2007 and again he says it's not up to him to look at my evidence and its up to the collector. Aaaahhhhhhhhhh!!! So I call back the collector and they say that the money is still owed to them so they can report it as long as they wish until they get paid. I reported both the collector and Transunion to the CFPB today. I am pissed!! What do I do? Any advice? I need this removed from my credit report like yesterday so I can get this house!
  6. Well never mind. I guess this is over. I called the collection agency and they told me to call direct tv. So I called direct tv and told them I have a copy of my lease showing that I was never living at the service address and she said "ok I will take you off of this and notify the collection a agency that this is not your account and it will be removed from your credit report in 6-8 weeks". I took down her name and id number and asked her where to send the copy of my lease and she said "don't worry about it, I don't need anything from you, I will take care of it and inform the collection agency". Was it seriously this easy?
  7. There is an open account on my credit report and this is definitely incorrect. How can I remove it? Here is exactly what it says: MIDLAND FUNDING 8875 AERO DR STE 200 SAN DIEGO, CA 92123 Account Type: Unknown - Credit Extension, Review, Or Collection - Collections -- Non-Specific Amount Past Due: --Monthly Payment: $0Last Payment Date: --Owner: IndividualOpen Date: Sep 8, 2009Original Balance: $0Term: 1 monthsOriginal Creditor: TRIBUTE MASTERCARDAccount in Dispute YesDo I send the credit bureau a letter now saying that it has been past 30 days and needs to be removed? I don't even remember disputing this so I have no idea when the dispute started. I'm assuming it was disputed a LONG time ago.
  8. First thing....YOU ALL ARE AWESOME!!! I am so glad I stumbled upon this forum. You all have helped me sooooo much and I appreciate everything. Because of y'all my credit score has gone from 570 to 649 and I can finally move out of state and own a house! Thank you, Thank you, Thank you!!! Now, I am currently battling Credit Management. They told me they acquired a Direct TV debt in August 2012. They have not sent me anything to verify the debt but they continue to call me and tell me all the info they have. The debt is for $517. Here's the issue: they have the wrong disconnect address. They say that I had service at an address I used for my mailing address and are showing that they discontinued service at that address. Well I have a lease that states where I was living (in a whole different city) during the time I supposedly had service. Service was disconnected on July 2011 and my lease shows I was living at a different address in a different city from September 2010 to August 2011. They told me they will remove it if I send them 1) A police report, 2) a copy of my lease, 3) a theft affidavit with the FTC, 4) a copy of my drivers license, and 5) a copy of my social security card. I called the police and basically got laughed at because this happened 2 years ago and they cant do anything. I have no idea why they need me to file a complaint with the FTC and they wont tell me either. I will gladly send a copy of my lease but I am not comfortable sending them my drivers license and social security card. What do I do from here?
  9. I sent my letter notifying them of my intent to sue and guess what? It got DELETED!!! Yay! No lawsuit for me but Im glad it got removed!
  10. I have given them a copy of the signed notarized court document twice. On the second one, I even highlighted in yellow where it specifically says JUDGMENT SET ASIDE. I dont know what else to do or how I can make myself more clear that it was not paid it was set aside and needs to be removed from my CR. My credit score has gone down since they put the judgment as paid. Its ridiculous and frustrating! And when you call TransUnion you get some outsourced country with representatives that you can barely understand with their heavy accents that try to convince you that their name is Kevin Miller and Veronica Smith who tell you that all they can do is dispute it again. I have gotten nowhere! Hopefully this will get their attention and they will finally delete it.
  11. How does this sound? Please let me know if it is correct (violations) and if I gave them enough time to respond. Dear TransUnion, This is my final letter to you before I file a lawsuit against you in (My County) in the state of (My State). Over 90 days ago, I wrote each the credit bureaus stating that my default judgment was SET ASIDE and should be deleted from my credit report. I included a copy of the motion signed and notarized by the County Clerk in (County). Experian and Equifax complied and the item was deleted. TransUnion updated the item to show that that the judgment was paid. It was never paid and is NOT being reported accurately on my TransUnion credit report. I have sent another letter to TransUnion and attempted phone contact on March 25th, 2013, but nothing has gotten accomplished and all the representative did was dispute the item again over the phone. Your failure to provide accurate information to which I am legally entitled and your continued willful and negligent reporting of erroneous information on my credit report has forced me to draft a lawsuit against TransUnion for the following: 1) Violations of the Fair Credit Reporting Act 2) Violations of the Fair Debt Collection Practices Act 3) Negligence 4) Loss of Opportunity 5) Injunction seeking immediate court ordered relief from further credit damage. This is an offer of an out of court settlement prior to the lawsuit being filed. If you will agree to immediately and permanently delete all information regarding this account from my credit report, I will agree to not seek the damages to which I am entitled. If you do not delete this information from my credit report, then my lawsuit will be filed April 15th, 2013 in (My County Courthouse in my state). As there is a ceiling on the damages I may seek in this venue I will be seeking damages of $7500, which is well below the actual damages I have suffered and the statutory relief to which I am entitled as a result of your willful and grossly negligent reporting. I have copies of the certified letters and dates prepared to bring to court. If you wish to notify me that you are agreeing to delete this inaccurate information from my credit report and closing this matter, I require a response in writing and in a timely manner agreeing to the immediate and permanent deletion of this entry prior the close of business on Friday, April 12th, 2013. If I get another pointless letter from you showing that this item is "paid" then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will be aggressively pursuing the full judgment that I can get against TransUnion for violation of the Fair Credit Reporting Act, Willful Injury, and Defamation. The items to be removed from my credit report are listed as follows: what needs to be deleted I look forward to your response. Sincerely, Me
  12. I guess I will start looking for a lawyer. Do you think I can sue them myself? And do you have a sample letter I can use? I'm going on vacation Saturday but I want to get them a certified letter before I leave. This sucks because I'm trying to get a loan so I can buy a franchise for a business I want. I'm not going to get the loan because of this. And that's where I'm going on vacation Saturday to go look at the area for this business. This sounds like its going to take a while too.
  13. Transunion did NOTHING!! I am pissed now!! They are just ignoring my letters. I even highlighted in yellow where it says JUDGMENT SET ASIDE. No my cr still shows the judgment as paid. Now what do I do? I thought I was being pretty clear when I highlighted it for them and they did nothing!
  14. I have sent the judges order with both letters. With the second letter I even highlighted it in yellow where it says JUDGMENT SET ASIDE. How can I be more clear?
  15. Ok I am now seriously PISSED OFF at Transunion! My judgment was set aside due to improper service. It needs to be removed from my CR. I have sent 2 letters now explaining that the judgment was SET ASIDE and asking them to REMOVE it. The first letter I sent, they updated it showing it as paid. I sent a second letter explaining that it was not paid it was vacated and they basically are ignoring my letters and it is still showing paid! What do I do now? They aren't listening to me!! I want this removed like the other 2 credit bureaus did!
  16. Ok I will do that. Colorado has a 6 year sol so can they sue me now? Or should I wait until December 2013 since it is supposed to be deleted December 2014? I'm confused about when the sol started.
  17. I did send them a copy of it and I asked to delete it. They updated it saying it was paid.
  18. I thought the letter was just their last attempt at a scare tactic. Is there a way I can check with arbitration about a status? It's been 2 years and I haven't gotten a single thing from anyone.
  19. I don't know what it was dismissed with. They had 90 days to start the arbitration and send me and the court the information. I received what seemed like a copy of a letter and packet of papers that they sent to arbitration saying they were electing arbitration in the matter above and that they enclosed a check for $950. I called the court after i got this letter and the clerk said they never filed this with the courthouse so the case was dismissed.
  20. Ok everyone. Experian and equifax both deleted the judgment but transunion updated it and now it shows PAID/SATISFACTORY. Now what do I do? I never paid it and I want it deleted. Do I dispute it again?
  21. I have never received any letter from midland about this debt. I went to court with liberty and the judge dismissed the case because I elected arbitration as stated in the credit card agreement that the plaintiff purchased. They obvioulsly resold this debt to midland. I received nothing from midland. Not a single letter. I just found it on my Experian cr. it says: Placed for collection: 9/08/2009 Balance $1051 Date updated: 12/18/12 Original amount: $922 Original creditor: tribute MasterCard Remarks: acct info disputed by consumer - placed for collection Estimated month and year that this item will be removed: 12/2014
  22. I never went to arbitration. I requested arbitration at court since that is what the credit card agreement stated. Arbitration wasn't taking on any new credit card cases so court was the only option they had to sue me. The court case was dismissed and liberty acquisitions deleted everything from my credit report and I never heard from them again. Now it's been 2 years since that all happened and now I see Midland owns this debt.
  23. So long story short, I was being sued by a jdb in 2010 for an old credit card debt. I went to court and said I wanted arbitration (thanks to help from everyone on here ). They had me too. i cant find the post on here about all the details but they had me in a corner. they even brought along their witness. Then i said i wanted arbitration and they lost. So the jdb was pissed and that was the last I heard from them. Well, skimming through my CR, I see that same old credit card debt but now Midland Funding LLC owns it. The estimated month and year that this will be removed is 12/2014. I want it off now. I'm moving out of state and I want it gone so I can buy a house. How do I go about this? Do I start from the beginning with a debt validation letter? Or can I send all the info from the court and other jdb saying I still want arbitration?
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