onalert247

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About onalert247

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  1. Hello everyone, I have been in a lenghty dispute with Asset over an alleged debt that they claim they are verifying via the OC. I decided to take a shot at sending a validation letter to the supposed OC. I just received a letter from the OC's Consumer Credit solutions Exceutive office that states due to the age of the account they are unable to process my request and their records indicate the tradeline has been removed from all CRA's to which they report. Is it likely Asset will cooperate and remove? What are my options from here? Any assistance is greatly appreciated. Thanks!
  2. Thanks for the responses. I agree with Torden that they provided false information on my CR. What will be the most effective way to get a positive response for their violation? Their rep admitted that this was a common practice. How are they getting away with this?
  3. Happy New Year Everyone! I have ran the validation /dispute gauntlet on a an alleged debt for Verizon for the past year. I recently noticed on my Experian CR Verizon listed under Creditor's statement "Paying under a partial payment agreement" knowing this is absolute BS because I have adamently disputed the validity of this debt, I contacted their National Recovery Dept to question what I believe to be a fraudulent tactic to reset the reporting date. I was advised that they sent me a settlement letter (LIE) and that once they do that they always place this statement on the individuals credit report until they are contacted by the individual. Is this a violation?
  4. I just received this from the Norfolk BBB. I guess calling them out on shady tactics like backdated letters and frivilous payment dates & amounts worked. On November 12, 2012, the business provided the following information: Thank you for bringing this matter to the attention of our office. Portfolio Recovery Associates has investigated the consumer's dispute, closed the account ending in **** and requested that the credit reporting agencies delete our trade line for the account from their consumer reports. Brian Pearson Disputes Counsel Office of the General Counsel Portfolio Recovery Associates 140 Corporate Boulevard, Norfolk, VA 23502 What's the recommended steps from this point? Any actions for the CRA's repeatedly validating this frivilous debt?
  5. Well... The BBB complaint paid off!!! Here's the response I received this morning form the Norfolk BBB. On November 12, 2012, the business provided the following information: Thank you for bringing this matter to the attention of our office. Portfolio Recovery Associates has investigated the consumer's dispute, closed the account ending in 4984 and requested that the credit reporting agencies delete our trade line for the account from their consumer reports. Brian Pearson Disputes Counsel Office of the General Counsel Portfolio Recovery Associates 140 Corporate Boulevard, Norfolk, VA 23502 What's the recommended steps from this point? Any actions for the CRA's repeatedly validating this debt?
  6. This is from the $2.5 million law suit the FTC filed against Asset Acceptance. Can someone please clarify what would be considered "parking" debt on a consumers CR? -jdb purchased debt 2/2011 -jdb reports debt to CRA'S 2/2011 -jdb admits to allegedly sending DV notice 3/2011 The order also prohibits the company from: Making any material misrepresentation to consumers and making any representation that a consumer owes a particular debt, or as to the amount of the debt, unless it has a reasonable basis for the representation. To ensure it has such a basis, the order requires Asset Acceptance to investigate consumer disputes before continuing collection efforts; "Parking" – or placing – debt on a consumer's credit report when it has failed to notify the consumer in writing about the negative report, and; Violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, in the ways alleged in the complaint.
  7. I sent the kitchen sink version of the DV letter. I was just hoping to catch them using the usual underhanded tactics. Still not sure if i did. There has to be a reason they would fraudulently mail the letter the day before the deadline to further dispute the debt with them. Not to mention, throw in a totally frivilous payment date/amount.
  8. I have recently filed comlaints with the BBB, FTC and TEXAS AG. Not too sure what that will do but, I felt it was worth a shot. Just noticed HSBC wrote this debt off for $485 in 2010 and Portfolio has been tryng to collect the high credit amount of $800 since the allegedly purchased the debt in 2011.
  9. Good Monday morning Portfolio received/signed the certified receipt for my DV on 8/23/12. I received their DV response on 9/14/12. It gets better! Their letter was dated 8/23/12 The very last sentence states "Please note that if we receive no information or documentation describing the details of your dispute by 9/12/12, we may then terminate the investigation related to this account due to lack of clarification of the nature of the dispute. The envelope was post marked 9/11/12. They also threw in a frivilous payment amount and date. Any & all suggestions, ideas and/or advise will be greatly appreciated.
  10. Are you saying I should sue? Lol just kidding. I greatly suspect my ex opened this account without my knowledge and I really don't want to have the mother of my child prosecuted. I Think I have exhausted all avenues of disputing and challenging this debt hoping I could get it removed without implicating her. At this point I have no other choice. I will begin my research on the site for direction on getting the suite started. Thank you for your responses!
  11. I disputed with the CRA's before and after the DV attempt. The thing that gets me is they continue to validate this debt to the CRA's and the letter that they sent to the BBB states " as a courtesy, AALC will request copies of documentation that is available that supports its claim from the selling creditor. Additionally AALC will request that the account be reported as disputed with the appropriate CRA's." how have they continued to validate this debt if they don't have the docs from the OC? why didn't they report it disputed when I sent DV?
  12. Thanks for the quick responses. I did mean violation (edited). The debt is not mine and I have been adamantly disputing this and the CRA's have now deemed my disputes frivolous. I have tried changing the reason for dispute and I get the automatic frivolous response. I have spoken to representatives and I have been informed that they don't have to disclose their method of verification. I have recently noticed several addresses listed on my experian report that I have never lived at or know anyone who does. I disputed this information and am awaiting a response.
  13. First and foremost god bless our nations veterans past and present! I'm new to the site and greatly appreciate all the information provided here. Like everyone I am fighting the fight against what seems to be a never ending battle. I sent a DV letter that covered the basics(not kitchen sink version) and received a form letter response that basically covered validation OC,amount etc... They listed a specific date and time they purchased the debt ( Feb 2011 @ 1:33pm) CRA's have all since validated as well. Frustrated that thay haven't provided evidence that proves this debt belongs to me I filed a complaint with th BBB, FTC and Texas Attorney General. The Detroit BBB wasted no time and sent a letter requesting an answer and within a week a AALLC complaint response spe******t sent a letter that states in March 2011 they sent me notice per the FDCPA that gave me 30 days to request validation(lie). There was never initial contact or any notices sent to me. I know this is a he said she said situation and they will more than likely fabricate a notice dated March 2011 but, I checked all of my old credit reports that has them reporting the debt to all CRA's in Feb 2011 the same month they purchased the debt. Do I have a violation?