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  1. I disputed with the OC 3 tradelines with Experian (Chase and Bank of America), they all came back issued resolved with no explanation other than, we have the correct information reported. The accounts are from 2011 and 2012. I now will have to dispute directly with the OC. When I do, what information do they have to exactly send to me to prove they are right. I no longer have my documents with these credit card accounts, and I know the burden falls on them to prove and if they cant, they have to remove
  2. Ok so, due to being ignored by the bureaus, i have sent my 3rd letter to all 3 bureaus warning them that i will be sending a formal complaint to the FTC, however i have never gotten this far. Can someone please assist me in writing a letter to the FTC about this.
  3. New to this site, I have been paying regularly for a few years on old tax debts, vehicle loans on cars returned because I couldn't make the payments. State of Ca retired by disability. I have been reading a few things that state disability pensions can't be garnished. The companies including the IRS and Ford motor did initially try to garnish wages but we were able to start making payments AND even did monthly payment agreement with the IRS. Both of us a few years ago being employed by the state had furlough days (basically a decrease in pay X2) , major medical issues on top of that and not only got behind on taxes, & all bills but after separating, narrowly were able to keep the house after a loan modification. Zero late payments in almost 4 years, 3 new vehicle loans since, but this tax lien which of course shows begininning balance instead of the approx 30k it is now, plus Nelson & Kennard for Ford - I can't get my credit score above 670 and he can't get above 600. *If we both have disability pensions, is there ANY way of getting judgements off of credit while still paying on the debts? We are NOT trying to get out of paying, I just want to have the options of possibly selling the house and buying another. ANY HELP WOULD BE GREATLY APPRECIATED!!
  4. http://finance.yahoo.com/news/credit-reports-exclude-certain-negative-223300291.html. Please click the link above it will take you to Yahoo where there reporting the Credit Beaureas decisions about civil judgements, and Leon's also medical debt!! Great news for me and I know thousands of wrongful illegally convicted and wrongly reported!!! All I can say it's about time Things are changing !!http://finance.yahoo.com/news/credit-reports-exclude-certain-negative-223300291.html 5b6ae96a3999447a55b2ffd56cb6d88e_8rmWvkxyXpH6FWUr7iSISJsakT3HCJY2gHr_kCQuYXxShhXF-djjoMXLVzffm0xcCf1NtVcxhQ8-_17_0.mp4
  5. I am a victim of identity theft, and had filed a report with local police, also the FTC. I requested Experian block a fraudulent account, and provided them with copies of the identity theft reports to support the request. They removed the fraudulent account within a few days of doing this. I had disputed the same fraudulent account with Equifax, and attached identity theft reports as supporting documentation. For 3 weeks after Experian blocked the account, the date reported on this same account was updated 4 times on Equifax. 11/11/2016 I requested Experian remove the fraudulent account due to identity theft 11/17/2016 Experian report showed account was deleted 12/1/2016, on Equifax fraudulent account/debt showed date reported 11/23/2016 12/3/2016, on Equifax fraudulent account/debt showed date reported 11/02/2016 So the date reported went backwards. How does this happen? 12/04/2016, on Equifax fraudulent account/debt showed date reported 12/03/2016 12/07/2016, on Equifax fraudulent account/debt showed date reported 12/06/2016 On 12/5/2016 I filed a complaint with CFPB against the creditor that reported the fraudulent account (which they have never responded to), and 12/7/2016 I called the creditor because I was quite angry at this point. After the account was removed from Experian, my score had gone up 69 points, and it was obviously damaging my Equifax score significantly. I had been denied credit due to this account specifically (denial reason said high utilization/over credit limit, and this account was reported as charge off for more than the credit limit that was reported for the account, I had no other accounts that this was relevant to). When I called this creditor the 1st time, they could not find the account in their system, and told me to call Equifax, so I did. Equifax then told me to call the creditor, so called them again. The creditor finally located the account, and admitted to me that they had received the police/identity theft report (Experian sent to them as a result of account being blocked) on 11/29/2016. So this account was updated 3 times on Equifax after they apparently received the identity theft/police report, and Experian had already blocked it as of 11/17/2016. Aside from all of this, the same creditor had reported conflicting information for the account between EX and EQ (payment dates, number of payments), so they obviously aren't concerned about complying with the law. What I'm trying to figure out is, who is at fault? And how does date reported go backwards in one case, unless it was done manually, then corrected the very next day? It almost looks like this was done intentionally. When the date went backwards, they corrected it on their own the next day, but I had not contacted them about it or bring to their attention. I know there are FCRA violations here, but I'm confused as to who is responsible for what. The police report totaled 73 pages for my case, and this has been a process from hell. I simply expected the creditors/credit bureaus to fulfill their obligations under the law, and that is really all identity theft victims have to rely on when recovering from the chaotic aftermath of this crime. Filing a police report only gives more credibility to a victim's claim, but they can't do much more than that. This is not about a lawsuit and getting paid, its about holding those accountable to the law that is there for these very reasons. Thank you in advance for any suggestions or advice.
  6. URGENT ... was notified Friday by an solicitation letter from an attorney of a lawsuit filed by BOA on a defaulted CC ... MUST reply MONDAY ... Please help with reply! 1- This account is in my husbands name and we separated 18 months ago. I'm in Fairfield county, but he is in Franklin. Summons Complaint was filed in Fairfield County. There is no proof of the debt attached as in a signed agreement, etc ? ..... Any options you can offer GREATLY appreciated ! If you are inquiring about a lawsuit in which you are the defendant (ie you are being sued), you need to answer the following questions (as much as possible): 1. Who is the named plaintiff in the suit? BANK OF AMERICA 2. What is the name of the law firm handling the suit. LEVY & ASSOCIATES, LLC 3. How much are you being sued for? $9057.00 4. Who is the original creditor? BANK OF AMERICA 5. How do you know you are being sued? ATTORNEY SOLICITATION LETTER, NOT SERVED CERTIFIED MAIL 6. How were you served? NO SERVICE ??? 7. Was the service legal as required by your state? NOT SURE. COMPLAINT DOES SAY IF NOT SERVED CERTIFIED BY POSTAL, TO SUBMIT ORDINARY MAIL ???? NEVER GOT IT THOUGH Process Service Requirements by State - Summons Complaint 8. What was your correspondence (if any) with the people suing you before you think you were being sued? NONE 9. What state and county do you live in? OHIO, FRANKLIN 10. When is the last time you paid on this account? Approx Jan, 2015 11. What is the SOL on the debt? To find out: I believe 6 YEARS Statute of Limitations on Debts 12. What is the status of your case? Suit served? Motions filed? COMPLAINT FILED BY PLANTIFF - WE MUST REPLY ????? 13. Have you disputed the debt with the credit bureaus NO. First we knew of this agency 14. Did you request debt validation before the suit was filed? NO 15. How long do you have to respond to the suit? (This should be in your paperwork). WE HAD 28 DAYS. TO ANSWER COMPLAINT Here is an example of what the summons/complaint may look like: Sued by a Debt Collector - Learn How to Fight Debt Lawsuits 16. What evidence did they send with the summons? COMPLAINT SIGNED BY ATTORNEY, COPY OF A JAN, 2016 BOA CC STATEMENT.
  7. I am an American-born expat living in Peru. All my personal debt is paid as agreed. I am also the legal representative of an English Institute, which has a separate tax identification number. There are three partners. The business is not performing. A few months ago, the business entered into a rental agreement. It has paid 3 months but cannot pay the remaining 3. The first two months I personally paid out of my own pocket. Since there are three partners, I want my partners to pay for the other 4 months (2 each), but they have declined to do so. The landlord has said that if I do not pay the debt, said debt will be placed on my Equifax credit report and will prevent me from getting credit. I went today to Equifax, and the person there confirmed that this might indeed be so. Since I am an American citizen, Equifax is an American corporation, the information is hosted on www.equifax.com, a U.S. domain name, and the information is often transmitted through the Internet, I believe that the matter is covered by the U.S. Constitution, which grants authority to Congress to regulate Interstate Commerce. In short, I believe that the Fair Credit Reporting Act is in full force and that it covers this matter. I entered an Equifax portal to determine how to dispute negative information, assuming that derogatory information may be placed against me in the future. The portal asked for a 10-digit identification code. However, the credit report I have in hand from Equifax does not contain a 10-digit code. It contains a 15-digit operation number. Any advice or information would be appreciated.
  8. I recently filed my opening brief in the 9th circuit court of appeals because I once again got railroaded in kangaroo court (Phoenix federal court). The brief is posted at http://creditsuit.org and involves numerous FDCPA, FCRA and discovery issues. I worked on it for 2 weeks straight and bought the NCLC FCRA and FDCPA subscriptions, but just ran out of time and am still looking for case law on several issues for my reply brief. 1) The importance of Equifax's date of first delinquency (aka date of last activity or DLA). My claim got dismissed because they argued that as per FCRA they could have reported 6 months longer and the judge decided that the additional 1 month was insignificant. However, my claims were NOT against Equifax for reporting too long, but against Midland / MCM because they verified the incorrect DLA and against Equifax for lack of procedures. Of course the more RECENT the DLA, the greater the damages as the most RECENT delinquency determines one's credit worthiness. It would be nice to have some cases about that. I can't afford depositions and if remanded, will obviously do written discovery with Equifax, but they will claim no knowledge regarding creditors' underwriting practices and I can't pay for expert witnesses. So I need case law. 2) Midland WAIVED pre-judgment interest in state court, but verified the balances including the waived interest. They argue that they can continue to report waived charges just like cases re debts dismissed for SOL. I agree with regards to SOL dismissal, but this is different. Many consumers negotiate settlements either pre suit or during litigation and I have NEVER seen a waived charge reported to a credit bureau. Midland had added interest on the account PRIOR to its purchase of the account from the date of charge-off. Under AZ law they are entitled to 10% interest and it does not specify from what date, presumably from the date of purchase. HSBC had stopped charging interest when it charged off and the Midland documents all state the charge-off balance as the purchase balance. Most credit card holders receive credits for late fees, interest etc. for one reason or another from the original creditor and I don't see why a subsequent purchaser of the account could add these charges. The justice court dismissed my FDCPA counterclaim and denied my motion to amend because Midland stated in its motion for summary judgment that it WAIVED all pre-judgment interest. I haven't found any cases about that, but am aware that creditors can "assign" an account with the chargeoff balance + interest, but nothing of that sort was ever provided by Midland and I recently found a collection letter from a collector on behalf of MCM with a settlement offer based on the charge-off amount / purchase balance without any mention of interest. So there are TWO issues, one regarding the WAIVED interest during the Midland litigation against me and the other regarding the legality of Midland adding pre-purchase interest when creditors such as HSBC and Chase chose to not charge interest after the charge-off and the account is sold with a BALANCE = to date of chargeoff . How specific does a CRA dispute have to be? The district court judge reasoned that my balance disputes were NOT specific enough and that I was supposed to provide the correct balance according to my calculations. I had checked the Equifax online dispute form option for "incorrect balance." Of course I argued that in my NUMEROUS court filings and discovery docs I had already provided Midland / MCM with the exact nature of the disputes and that it's not up to me to calculate the interest, but the judge didn't care. I'll be doing a lot of research over the next couple months once I got caught up with planting etc., but greatly appreciate any relevant cases.
  9. I have the Experian ProtectID service, since the Anthem BC/BS hacking incident and today I noticed this pop-up on my report.Account name: PARAMOUNT RECOVERY SYSTM 111 E CENTER ST, LORENA, TX 76655, 254 857 7007Account number: CAPOCAP1700200382255Recent balance: $630 as of 03/01/2016Date opened: 12/2015Status: Collection account. $630 past due as of Mar 2016.Address identification number: 0317070136Original creditor: GILLESPIE EMRGY MED ASSC PAType: CollectionTerms: 1 MonthsOn record until: Feb 2017Credit limit or original amount: $630High balance: $0Monthly payment: $0Recent payment amount: $0Date of status: 03/2016First reported: 03/2016Responsibility: IndividualAccount history: 2016/Mar/CI find this troubling because:1. The dates on this report are from 12/2015 and 03/01/2016. The creditor is located in Texas, but I have been living in Missouri since 2013.2. I have never used the creditors services let alone visited their medical facilities. The company runs a number of private ER rooms in and around Austin Texas.3. I have never been contacted by Paramount Recovery Systems about this debt.4. I have seen a LOT of BBB complaints about this recovery company. So may be a junk debt dealer, trying to beat Texas's 4 year statue of limitations for suing on debts.The only scenario I can come up with, is that after immigrating to the USA in 2009, I lived in Texas up until mid 2013. My now deceased wife, who passed away March 2015, was in and out of ER rooms with her end stage kidney disease around 2011/2012. She never let me deal with her medical bills and to be honest wasn't very responsible with paying them. So we move to Missouri, 4 years pass and now in 2016 I'm getting slapped with a bad credit report for this $630, which was probably for her ER visits. I know Texas is a common property state, so I guess is that after the 4 year statue of limitations expired and they couldn't collect from her, they are now trying to throw the bill in my direction, expecting me to pay.I've already been through hell and back with medical collection agencies here in Missouri for the 2013 to 2015 period bills, which I finally got resolved. She did have Medicare, but due to my work insurance, there was a dispute as to the primary insurer, so NOBODY paid and I was left with over $100,000 worth of medical bills. So I am sick to death with dealing with my dead wifes financial fallout. Just when I got Missouri sorted out, now I get this crap from Texas.So is my hypothesis on what may be happening plausible?If so, what would be my best course of action?These bills are in my late wife's name only and are most likely over the 4 year statue of limitations. So I'm afraid to pay anything, reset the clock and have the debts become legally binding which would result in gawd knows how many other creditors crashing down my door with their hands out for payment on a dead woman's debts.
  10. Today I received requests from several companies on my CR requesting I validate accounts. Midland, Asset and PRA all 3 sent requests for Full Name, Full CC Number, Address (Current and past 10 years), approximate account opening dates, account balances, Last payment and date, and my employer name. NONE of them have judgments against me. GECRB did the same for two CCs that they claim I have/had. CAP1 did the same for 4 accounts they claim I had with them. NONE of these letters gave me any idea what they are talking about...no reference numbers or anything. I did recently do requests for verification with all 3 major CBs. Anyone seen this sort of thing before??
  11. Hi, In late 2010 I had a negative item appear on my credit reports from "Advanta Bank." Advanta Bank failed in 2009 and was shut down by the FDIC and State of Utah. They were heavily fined for deceptive and unfair business practices (ie. offering a 0% introductory interest rate and then rate jacking their customers to 38%). Advanta Bank ultimately declared bankruptcy. As far as I could determine, the FDIC was set up as a receiver for their deposits, and any debts owed were sold off to junk debt buyers. The former owners of Advanta have been individually sued for breach of fiduciary duty and other misconduct by the FDIC in relation to their ownership and management of Advanta. I disputed in writing to the three credit bureaus, providing proof from the FDIC that Advanta Bank no longer existed and could not be the reporting entity. I also disputed what was reported, because it was purely false and erroneous information. Equifax and TransUnion immediately deleted the info. Experian refused to delete the information and has continued to refuse my written disputes for the past four years. I have been turned down for credit as a result. I recently invoked arbitration over this and multiple other issues based upon the credit monitoring contract I have with Experian, which states clearly it covers FCRA disputes. I have yet to hear back on my arbitration demand, however, today I received in the mail a postcard advising me of the class action Michael Dreher v. Experian, specifically on this issue of Experian falsely reporting data from "Advanta Bank." The class action lawsuit properly states that the company known as "CardWorks Processing" is possibly the owner and reporting entity of past due debts emanating from the defunct Advanta Bank - but is reporting as "Advanta Bank" today and for the past four years as if they are the bank. Trying to resolve any reporting issue becomes a three ring circus and/or shell game between Experian, Advanta (which has no legal present address or contact) and CardWorks, making it impossible to correct incorrect negative information on Experian credit reports. If Experian were truly conducting meaningful investigations when consumers dispute as required by the FCRA, they would learn "Advanta Bank" is not reporting anything since 2009 or 2010 at the latest. Here's the class action lawsuit: http://www.advanta-experian.com/ http://www.buccidix.com/blog/experian-must-disclose-company-reporting-credit-report-debt.cfm http://www.cardworks.com/ When I eventually figured out the "Advanta Bank" address on my Experian report led to "Cardworks Processing" - I disputed in writing to "CardWorks Processing." I received a letter back with the name "Advanta Bank" rubber stamped at the top of the letter (not Advanta's original logo, but what appeared to be a rubber stamp pressed on an ink pad created for this purpose). What is interesting to me is Experian will do everything possible to avoid a class action, and uses arbitration clauses in their credit monitoring contracts to do just that. Now that a class action has made it to the trial stage, they are trying to lump me in with the class - to avoid the cost and expense of arbitration. My instincts tell me to opt out of the class action (which is a clearly spelled out option) and pursue my own individual case through arbitration or litigation if necessary, especially since my dispute has elements other than the Advanta issue. Any feedback on this issue is appreciated here. Please note I'm also posting this info for anyone else who has had a similar experience with Experian / Advanta. I think CardWorks Processing is committing fraud, violating the FCRA by knowingly reporting inaccurate information, and violating the FDCPA by misrepresenting the status of an alleged debt. I want to take legal action against them. If you agree, please feel free to post comments here or contact me via PM. Thank you.
  12. Hey everyone!!! Been a board lurker for YEARRRRSSSSS finally decided to join. BTW thanks for getting me from low 500's at one time to mid 700's all you posts, sample letters, really helped me out!!.... until I screwed up again now back to the 500's (all my fault no one to blame) but steadily moving back up!!. So I just started with Experian inquiries.... always been easy to dispute and almost always 100% success rate with just a call and dispute to the CB. THIS TIME..... Exp seems to not be deleting them anymore, not even investigating, just moved em all to the "Soft" section?? Anyone had this happen to them? Thanks!!!!!
  13. I've posted a few times on this topic and came across an interesting article and comments from a leading credit industry expert and directly from Experian on the matter tonight. I had to post this for your thoughts and comments. After receiving an IRS 1099-C form from a creditor, also known as a "Cancellation of Debt" form, there is a debate on the creditor's continued legal right to collect, and how the matter should be reported to the credit bureaus. Regardless of where you (or court opinions) stand on the issue of future debt collection, the secondary issue of credit reporting appears to handled differently by different banks. One bank may report a balance of $0 after issuing a 1099-C, while another will continue to report the full balance as still due and payable. The following article, written by credit expert John Ulzheimer, sides with the position of an account being reported as "Balance Due $0" after the issuance of a 1099-C. Even more interesting, Experian's Vice President of Public Education stated on this topic: “If the lender agrees to settle the debt for a lesser amount, the account should be reported with a zero balance because the consumer no longer owes anything to the lender. The tax burden is between the consumer and the IRS." Here's the full article: http://blog.smartcredit.com/2012/11/01/why-did-i-get-irs-form-1099-c-from-my-credit-card-issuer/ Has anyone sent a copy of their 1099-C to a credit bureau and successfully had them change a reporting balance to $0 ?
  14. Hello, I am new here but I see that there are lots of very active and knowledgable users here so I thought I'd seek some friendly advice. I am trying to help out my 80+ year old grandparents that have gotten themselves in some seriously unmanageable debt while trying to help another family member's difficult financial situation. Bless their hearts, but shame on them for digging themselves in a financial hole. They have a total of about $31k in credit card debts in 22 accounts.They have no real assets - not homeowners (rent), no business or properties, only have a pretty old car.Their only source of income is their social security retirement income.All payments to creditors have ceased as of this month (so the calls have just started).We have closed all the accounts (for some reason I thought this would stop late fees, but now I know thats not the case).I seeked free legal advice considering bankruptcy from a pro bono lawyer and I was informed that they are "judgement proof" and it is pointless to file a bankruptcy. Their income is protected and even if the creditor wins, they can't collect. While this may be true, I am concerned about the 6yr statue of limitations in NJ. This is not something I want to have to keep an eye out for such lengthy period of time. Perhaps if it was maybe a few accounts, but since its so many it would just be stressful answering to all of them. The biggest bankruptcy filing con is the cost - approx. $1200 with a lawyer. I am wondering if I may be able to do the paperwork myself. A friend of mines recently filed and I have reviewed the paperwork. Though it was alot of legal terminology, I have found help online and software programs that make it pretty straighforward. Is this something any of you would consider doing without a lawyer though? Am I being too confident here? Also while searching through another forum, I saw an old post where a user in a similar situation with her elderly mom said she was able dismiss the accounts directly with the creditors by sending them letters explaining to them her situation and that she was judgment proof along with a copy of her SS award letter. Should I do this as well? Has anyone tried this or had any success writing-off an account directly with a creditor? I guess it can't hurt to try or can it? Maybe if they knew it was going to be pointless to persue these accounts, they would just move their efforts towards onto other more successful accounts to collect on. Please let me know your thoughts and experiences. Thanks
  15. I have learned a lot in two days of browsing and I greatly appreciate all of the information here so far. I have one quick question. Midland Credit Management aka Midland Funding is on my credit with a suppsed debt to a bank. They initially said I owed $5,XXX and every month or so, that amount has increased to over five figures now. Anyway, I called TransUnion about something unrelated and they tell me over the phone that it's actually scheduled for deletion off my credit report NEXT MONTH. Such joy. One report says that the date of first deliquency is April 2008, another October 2008. Should I use this information to remind these two agencies that this needs to come off my report. I am keeping a copy of my report just in case Midland tries to reage the credit or changes the date somehow. Do you think I will be able to get this information from Equifax and/or Experian somehow? Thanks for reading!
  16. OK, so I've been trying to clean up and rebuild my credit and while I'm working on DV and disputes, I get a secured credit card for $500. Thinking that I will have time to pay it off before it reports, I used $275 of it already (have had it less than a month). I got a notification from experian yesterday that stated my score dropped 23 points and the only change was this credit card was added (all info on both experian and equifax reported identical). The experian score monitoring is through the experian website, the equifax is the score watch through myfico. Today I get a notification from Score watch that my equifax jumped UP 55 (from 466 to 521) and the only change is this card which was reported EXACTLY the same way it was to Experian. So now that I know what day they report to the Bureaus (no info yet on TU), If I pay it down to about 8% do you think it will go up even more? The FICO simulator had shown that my score would go up to about 506 if I got a new credit card with a limit of $500, but (I know, it's just a simulator) it went to 521.
  17. I sent a 623 Letter To Bank and They Responded account was sold another bank. Direct Merchants Bank was who I filed dispute with. Got a letter back from HSBC stating account sold to a JBD, They ask me to direct inquiries to the JBD. What now? I was disputing the debt that appeared on my credit profile, the amount and date of last payment. Help!
  18. One of my charge off accounts as reported by the OC years ago.It still sits with the OC- It went on my credit report a few years ago- Now I see a new reporting date of a recent date within 30 days. I think I disputed this a long time ago and it was written off by OC- not sure have to check- The agent at Equifax told me that this means that they just looked at it as nothing else has changed. Is that a normal I asked for them to place a new reposted date on it. The old date was 3 years ago and now it just looks like they just reported it again. this is how it shows Date of Last Activity: N/A this field Date Major Delinquency First Reported: is blank should I do anything? Seems like when you start to dispute, they remember the debt and then you get sued-
  19. In 2005 I had won a judgement against plaintiff and could never collect because the person, persons just skipped town or reinvented themselves and we could not get banking info at the time. This was in regard to a business I had a long time ago- Can I renew this judgement in California? I would be willing to try again to skip trace these people as I feel they may still be here in California doing business under another name or maybe not- I sued them personally and as individuals and their corporation.
  20. I check my CR's online every 4 months. I have copies of my reports going back 15 years. While applying for a new apartment, I was informed I had to pay 2 months upfront due to negative on credit. I said "What are you talking about?" They said there was a bill for $698 outstanding. It was a medical bill. In May, I found that 5 year old medical bill (that was paid) still reporting on Equifax only. Disputed, was deleted. Checked Experian yesteday. Found collection for $10,090 backdated to 2010. Disputed immediately. Called Experian today, asked how this is possible? Experian said Collection Agency supplied the info and posted it there and Experian didnt question it. That their records show its been posted since 2010. That is impossible and I can prove it. They dont know I have 14 yrs of credit reports at home.... I NEVER got any bills or mail from collection agency or company that is saying I owe $10K. I lived in another state and was approved for an apt there no problems, and my new address was public record. A 10k collection for something I have not done, is going to ruin me. Should I wait to see if it gets deleted? Or should I begin legal proceedings? Please help
  21. I've noticed that Experian is the toughest CRA to make disputes by far. First, they don't let you dispute addresses which is what I like to start off with. They don't allow addresses to be disputed online and they don't allow you to do it over the phone either. What they tell you on the phone is that they won't remove them because a former or current creditor has that address listed for you. I tell them that they are incorrect then because I never lived there...and they say I would have to contact the creditor...crazy! Further, if they ever verify a credit item you dispute...it is GOLD in their eyes and you can NEVER dispute that credit item ever again, even if you change the reason, unless you have some kind of documentation. I eventually tried to do it online for the hell of it because by mail with them was in vain...but it won't even allow you to submit a disupte for a verified credit item online...it comes back immediately saying you can't dispute that item because it was previously verified...doesn't matter what reason you're using. Has anyone else had these dificulties with Experian?
  22. So hello to everyone. I have used a couple of different credit repair services in the past. Had great luck with the first one years ago, not so much luck with the last one. They didn't do much at all over the course of almost a year, so I cancelled. I've decided to do it myself this time. I have the time and I've done a TON of reading on credit repair thanks to credit info center. Now, I have a couple of things I can't find answers on and I'm hoping you can help me. The one I'm looking at now is a Charge off from Capital One on my Equifax CR. The odd part is, in the 81 month payment history, every month is marked "paid" or "paid as agreed" and the account is closed with a $0 balance, but the status is still marked as 'charge off". Activity designator is marked as: Transfer/sold..it's also got a date of first delinquency. I'm completely confused by this...how can it be marked as paid as agreed in the 81 month payment history and still be marked as negative credit as well? I don't even know what to request of the CRA at this point for this line item.
  23. I am in a dispute with one of the three major credit bureaus. In my research for case law and supporting documentation for what I believe are numerous FCRA violations, I came across this very helpful report from the National Consumer Law Center entitled: "Automated Injustice: How A Mechanized Dispute System Frustrates Consumers Seeking To Fix Errors In Their Credit Reports." The report breaks down the process by which Experian, Equifax and TransUnion handles consumer disputes for investigation or re-investigation, how and where they outsource the process to, the automated systems involved, non compliance issues with the FCRA, how banks largely parrot the credit bureaus poor process with a similar if not identical process thereby gaming a broken system, numerous case law examples, deposition testimony, and Congressional testimony that support the report's conclusions. I thought I would post and hope it provides useful info for others. Please see: http://www.nclc.org/images/pdf/pr-reports/report-automated_injustice.pdf Also see: www.consumerlaw.org Comments and thoughts are most welcome!
  24. I sent a CMRRR dispute to TU and received my credit report. The letter states, “Enclosed is the TransUnion Personal Credit Report that you requested.” The only thing is, I didn’t request my CR. I sent TU a dispute letter. A few months ago, I experienced the same thing with EXP. Is this some new, stall tactic? I didn’t respond to EXP and the disputed item was deleted. I don’t plan on responding to TU but wanted to see if this is happening to anyone else? Recently, I received 3 CMRRR, green cards, the bureaus conveniently forgot to date stamp. Luckily, I have my receipts and was able to track my letter via usps.com.
  25. They are refusing to re-investigate TLs unless I have new info. Any way to get around this?
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