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About gretchenann50

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  • Birthday January 30

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    McDade, Texas
  1. says- "Resolved, account holder disagrees". What the heck does that mean ? It has not been resolved and I have received no communication from them whatsoever- this is a dispute because I had health insurance at the time I was at the ER- I have contacted the OC, the CA, the Credit Bureaus-
  2. Oh OK Rock Daddy, sorry, I missed that question in your previous post- no I do not have the original contract- it may be in storage in CA- I have requested a copy of the original contract but haven't received a response. It's been a few years, but I do not remember any thing to that effect- I remember going to the office and notifying them that we were moving, and them requesting I withdraw the kids via letter as well- that's all I can recall. It's not thant I'm making up my own criteria- I followed the instructions for withdrawing the kids per their financial dept.- step by step-
  3. Hi BV80, yes, I did contact the school, they referred me to the Collection Agency- I asked for documentation from them because they say it is a joint account, but like I said, with whom ? I am not married and was widowed 12 years ago- not sure why they don't want to work with me,I'd again be happy to pay anything I may owe them, but not after the kids were withdrawn from school-
  4. Yes and thanks for the replies Coltfan, Kutuzov, BV80- I gave them my correct (Texas) address when I originally disputed and requested validation, to which they responded by letter to the Texas address They also state that this is a joint account, I asked for documentation regarding this, as I am a Widow and there is no one else who could have possible been on this account with me- my kids went to a Christian School while I was working out of town in Ca., they were withdrawn from the school and enrolled in another school, but I continued to be charged tuition, lunches,milk, snacks etc. AFTE
  5. Dear IstStep, Thank you SO much for the helpful response ! I must've misunderstood a post on this site called "Requirements fo CA's by State" by NanaC" which advises that often there are 2 States to deal with, the Collection Agencies State, AND the State where you live. It also advises if the are required to be licensed, bonded etc. and are not, to report them to BOTH their State AND your States appropriate agencies. I must have missed the part in her post that said not to bother reporting them to their State if you do not live their because they couldn't give two s**ts about a non resident, n
  6. They immediately deleted it, but the tradeline still appeared for the OC, Union Bank- for account abuse, they also reported me with ChexSystems. I contacted Union Bank and asked them to Validate- to please provide me with account records because when I moved to Texas I closed this account, they apparently continued to charge maintenance fees- they contacted me back and referred me to RJM ! They stated that the account belongs to them and for me to contact them directly to settle this account- so...RJM and Union Bank aren't providing me with any documentation supporting the entry and I am not s
  7. Their response is that they are not required to be bonded and registered because the debt was incurred in Ca. while I lived in Ca.- same old song and dance- they now state that they did not "Dun" me in Texas so they are not in violation. This is their response to the Ca. Attorney General- I haven't contacted the Tx. Attorney General's Office or the Secretary of State yet- but I know from past experience- TX does take this seriously and they WILL open a case on them- GEEZ
  8. Sent them ID, acct. info, that entry is inaccurate- they have everything they need- and I do believe they are stalling- so they get another letter from me, calling them on it and a demand for delete-
  9. requires them to verify my identity before they disclose any information. I received this response just shy of 30 days, am wondering how to respond ? I read he awhile back, that if they are resporting, then they have enough info on me to verify- is this a stall tactic ?
  10. Thanks for all your replies ! The tradeline appeared on my credit report back in October, I never received a DL or anything from the CA or the OC. I disputed with the credit bureaus and the CA. I never received a response from the CA, but the credit bureaues came back with the standard "verified this debt belongs to you etc...) it also has the statement that it is in dispute. Now a couple months later I receive a bill/DL from the CA, which I found to be odd/name change, not acknopwledging my dispute and validation request. My insurance carried is Blue Cross/Blue Shield, I did contact them, and
  11. But, no new numbers and Equifax staff members/Customer Service doesn't seem to know that. GEEZ ! Good Luck getting through to them
  12. I contacted Equifax, who I disputed with, because I received a letter that they were unable to verify my identity, this is the second time I received this- (actually I disputed with Equifax, the letter came from CSC) Equifax verified my info over the phione and stated that my address is reporting correctly- and that I need to contact CSC, I had already called 5 different numbers for them, ALL DISCONNECTED- went online to look for a good number for them- NOTHING- went to their website and all you can do is contact them through email- I am sick of jumping through this hoop- esp. when I submitted
  13. This is the second time I have received a letter from Equifax/CSC stating that they are working on my dispute but they need me to now send them proof of my identity ? I have done this before- and I think once I do this, the 30 days starts all over again, am I right ? I am tempted to just send them a letter , informing them that I have already do this and that the 30 days is up for my dispute and to delete the tradle line ? It's getting a little ridiculous
  14. I started out that way, and the "easier" trade lines were successfully removed or corrected by disputing online. I found that with the tougher or more complicated tradelines it takes more than an online dispute because you have to use different methods,and/or your reasons for disputing aren't listed in the online dispute options. They require you dispute in writing with a return receipt for your records. Experian, for example, will not let you dispute some tradelines a second time once they've come back as verified- I have no idea how this is determined, because some you can dispute more than