Sky Warner Posted September 19, 2002 Report Share Posted September 19, 2002 I was just going over this whole CRA giving out info to CA with a need for that info. Indiana is NOT a joint debtor state and the CA that took my hubbys car loan over pulled my credit a year ago.Since that is a violation of the FCRA, I wonder if I could get them for that?? Hmm??((Im also disputing the inquiry..hope it works)) Link to comment Share on other sites More sharing options...
Sky Warner Posted September 19, 2002 Author Report Share Posted September 19, 2002 Well guess what?!?!This Calvary Investments and Zirgo Acceptance are the same company and pulled my credit report when they do not have an account for me NOR do they have reason.All three credit bureas reported to them...without reason. Isnt this fraud?Let me know what you guys think!!Now I have to dispute the inquiries with these 2 companies...UGH Link to comment Share on other sites More sharing options...
ALF Posted September 19, 2002 Report Share Posted September 19, 2002 Sakia,This is one of CAs-Cavalry Investments out of AZ! Make sure you spell their name right-it is CAVALRY and not CALVARY, a subtle but big difference when you are searching if they are licensed to collect in a particular state. By the way they have not validated with me yet; they only have one more day then EQ and I are gonna have a talk!!A Link to comment Share on other sites More sharing options...
Sky Warner Posted September 19, 2002 Author Report Share Posted September 19, 2002 Well this one is Calvary Acceptance, that is what it says on my credit report and on my husbands. I actually talked to them and told them they were going to be in big trouble.I am preparing to write them a nice nasty letter as we speak. Link to comment Share on other sites More sharing options...
Sky Warner Posted September 19, 2002 Author Report Share Posted September 19, 2002 Durn my fingers, Calvary Investments, and Zirgo Acceptance(NY) Link to comment Share on other sites More sharing options...
ALF Posted September 20, 2002 Report Share Posted September 20, 2002 I just received a letter from Cavalry Investments and they said they were gonna remove all entries from the CRAs. This is the result of a validation letter that I sent out in the middle of August. They had until today 9/20/02 to validate and this is what I got in the mail!! I am sooo happy! Thank you board and thank you Kristy for this site....it is a wealth of information and support!!!A Link to comment Share on other sites More sharing options...
admin Posted September 21, 2002 Report Share Posted September 21, 2002 Yipppeeee! (KA -AY!) Link to comment Share on other sites More sharing options...
Sky Warner Posted September 21, 2002 Author Report Share Posted September 21, 2002 Well I sent them a very nice letter telling them they had 30 days to remove it from my credit report or I will file suit.and get THIS!!When I asked Trans Union how companies prove they have reason to pull my credit...the agent told me and I quote"They dont have to have a reason. As long as they are subscribers to our service then they can get your credit report." end quoteNow how bout THAT for some violations???? Link to comment Share on other sites More sharing options...
admin Posted September 22, 2002 Report Share Posted September 22, 2002 How nice of them to give you proof of a violation. I have copies of letters TU has sent to people denying them the investigation. Dispute it in writing and see what happens. Link to comment Share on other sites More sharing options...
Sky Warner Posted September 22, 2002 Author Report Share Posted September 22, 2002 Such lovely people these places are.I think if I dont have luck with this Cavalry Investments ((it IS listed wrong on my Experian)) I am going to file suit against the CRAs and the CA. Link to comment Share on other sites More sharing options...
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