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Everything posted by dwright19

  1. Ok so I had this debt validated last year and am trying to figure out how to remove it from my report. I have seen other people on other forums handle them by sending ITS and claiming that just about everything they reported to the CRAs is in violation. Below is a screen shot of the TL. They claimed it worked to point out that the way it was reported was a violation of section 807 & 808 i.e. listing the terms as 1 month so that Experian keeps adding KD every month until it drops off is a violation I have no contract with MCM to pay this on a 1 month term and by them reporting it this way was to cause as much damage as possible, or how its listed as an open account on two of the CRA when I have no contract or agreement and this type of account could not be an open account like it is with a credit card. Anyways is there any truth behind this? Could I push hard to get this removed based on the way they reported it? If not what are my other options? Oh and this debt is now past the SOL for Texas. The original FTP was reported by the OC on billing statement as 8/2009 Thanks
  2. This reply is a little late but here it goes Ok I finally was able to get Equidata to send me a letter claiming they were not able to verify my debt and that they would remove it from the big 3. Well I pulled my credit and it was removed from all but experian and they closed the account. I am assuming i can send one more letter to get them to remove it. I was also able to get a few more late payment erased with the generic "goodwill" letter. I went from a 548 to 686 still working on a few more issues but am planing to have my credit about 700 by early next year Thanks for all the help on this forum
  3. I am posting for a co-worker. She was in the hospital for kidney infection while pregenant. The bill was $28,000 and insurance only covered 90%. She tried to work it out with the Hospital but they got rid of the Debt and now PISA is sending her the bill. They called her and told her that they were collecting the debt and she needed to pay it off immediatly. They also informed her that she could just use her Credit card that has $XXXXX creidt available on it. She told them no and has sent off at least 2 $100 checks to them. I informed her to stop what she was doing and I would get her some help on this. My main question is did they pull her Credit illegally to gain the info on her credit card and its limit? She is going to be pulling her reports in the beggining of June to see what they are reporting. I told her to see if there was an Inquiry from this CA. I have also directed her to this site and am trying to give her a hand on getting this sorted out. What would yall sugest she do in the terms of letters being sent off? Thanks, Dwright19
  4. Also at the bottom of the computer generated statement it says "Data printed by Midland Credit Managment, Inc. from electronic records created, maintained, and provided by T-Mobile Central LLC.
  5. Thanks for the additional contact info. I put in some emails and calls hopefully I hear back soon
  6. I recently sent Midland a DV request they replied with a generic letter Dear Mr. #$@%^ The purpose of this letter is to advise you of the results of our investigation of your dispute pursuant to the Texas Finance Code and/or the FCRA. Please be advised that we have determined that our credit file and credit reporting of the above-referenced account is accurate, and therefore we deny the inaccuracy of the disputed item. We will be closing our investigation of your dispute and resuming regular collection activities as allowed by the Texas Finance Code and/or the FCRA. In response to your dispute, we have requested that the three major credit bureaus change the status of this account to "Disputed." Your credit report will not be updated if the federal reporting period has expired. They then attached a print our of a debt owed to T-Mobile with dates and the full amount owed and how that was processed. The amount is for $826.92 but on two of my credit reports one says $827 and the other $826. Also this print out doesn't show the OC address and there is no contract proving that the debt is mine. Should I sent back another letter telling them to remove it? Or should I 623 them?
  7. Well I cannot find a lawyer that wants anything to do with this. Im not sure why not I have contacted several and have not heard a single reply from any of them. What are some other options I can go with in this situation?
  8. Would the below be the law they are possibly violating by splitting this debt and dragging my credit rating down by reporting it twice? ยง 808. Unfair practices [15 USC 1692f] A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section: (1) The collection of any amount (including any interest, fee, charge, or expense incidental to the principal obligation) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
  9. I sent a Dispute letter to TransUnion that was recieved by them on 2/25/2013 they have now sent back a letter requesting me to verify my address and that the documents that I originally sent were not good enough. They have put some of the accounts I disputed as "Account info dissputed by consumer" not all of them but some. So should I reply to this address validation or does that start their clock over again?
  10. Alright I have contacted a Lawyer to see if we can possible get my $1000 plus damages. I will keep you posted on how this turns out. Thanks to everyone that replied to this!
  11. Yeah even on the Payment ledger there is no name of the OC anywhere to be found. The name of the OC was just typed up in their cover letter.
  12. Actually the screen shots of the payment ledger show nothing of the OC name or address. It just has my name on with nothing actually stating that the OC(suddenlink cable) even printed it out.
  13. It was only one account for a cable company. Equidata is the one breaking it into two accounts.
  14. So......... I am only down to pay for deletion or debt settlement???
  15. Yeah I sent a letter requesting DV. They replied with: Located in the Suddenlink Residential Agreement paragraph 1, Agreement states, "Customer agrees to be bound to this agreement by: (i) executing a copy of the service order presented to Customer at the time of installation, (ii) ordering a service,or (iii) using one or more Services at Customer's location." Activation and use of the service is acceptance of the Residential Services Agreement. The attached payment ledger serves as validation of debt. Contact our office for information on how to reconcile the account(s) or on how to return your cable provider's equipment. You can satisfy your account by calling our office and paying your account in full at no additional charge using your check, Visa, Debit, or MasterCard. Equidata, Inc. Federal law requires we inform you this is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose. Also attached to the letter they sent me were screen shots of the payment ledger that i suppose is from Sudden link. It shows account activity and the services I was charged for and the fees for cable equipment and late payment.
  16. Equidata has placed two collection accounts on all 3 CRA's. The original amount was $712 owed to a cable provider. Equidata bought the debt and is now splitting the debt in two and reporting as separate accounts. They did send a payment ledger from the OC that shows the full amount of $712 under one account number. The amount is from damaged equipment and a late payment. Equidata has one collection account for $185 for service and on for $527 for equipment. Are they allowed to buy this one debt and split it like that? What can I do if anything to get this taken care of. This is a validated debt but I am unsure if them splitting the account will work out in my benefit. Thanks in advance
  17. Ok that makes sense. Thank you again for your thorough responses. I guess my next step will be to try and pay for delete. Unless you see any other option.
  18. I think I will let it ride. Like you said it is a big bat to swing. Thanks for your quick reply could you please look at my other recent post and give your opinion on that as well if you have a chance. http://www.creditinfocenter.com/community/topic/319393-is-this-a-credible-validation/
  19. Sorry for all the questions as I am a little confused I found this info on this site under the title Debt Validation. I cannot not find any info that states this is only if being sued by a CA or JDB. From what I have read on this site a CA & JBD are basically the same. The only difference is if the CA buys or is assigned the debt. If they buy it then they own it and do not send the OC any monies. If it is assigned then they are collecting for the OC. So a JDB is still a CA just trying to make a profit for themselves. So why wouldn't I be able to still get this debt validated in the same way. Why wouldnt they still fall under the same rules and laws as a CA assigned this debt. The DV process allows me to make sure they CA/JBD is the legal owner of the debt. I just want to make sure I dont just get this one letter that has some exert from Suddenlinks Contract(not the original) and some screen shots of a computer ledger. Then end up paying or settling with them when I could have asked for more validations as I see this as inadequate. If it is a credible validation I am just having trouble understanding that because of the contradictory info I have read on this site and from what you are saying. Thank you for all of your help and time on this matter.
  20. Isn't it illegal for them just to pull a credit report without my consent or a signed authorization. Or is it ever worth it I could just let ride and take care of the other inquiries.
  21. So I don't need all three of these below just one for validation? What does a debt collector need to provide as debt validation? Proof that the collection company owns the debt/or has been assigned the debt. (Bob is legally entitled to collect this particular debt from you.) This is basic contract law. It is very difficult to get a judgment without a direct contract between collection agency and the original creditor. At a minimum, some account statements from the original creditor. If you really want to get sticky, you can pin them down on the amount of the debt by requiring complete payment history, starting with the original creditor. (How the heck did Bob calculate this debt? What fees/interest Bob has tacked on to this debt and how he determined these fees?) This requirement was established by the case Fields v. Wilber Law Firm, Donald L. Wilber and Kenneth Wilber, USCA-02-C-0072, 7th Circuit Court, Sept 2004.. Copy of the original signed loan agreement or credit card application. (Your contract with Joe establishing the debt between you.) However, account statements from the original can fulfill these requirements.