jordanmorganusa Posted September 3, 2002 Report Share Posted September 3, 2002 I was reading on the web today and came across someone that is filing against a CRA. They were asking for people to email him so they could submit a sworn statement to him that would be just like testifying in court. I think that is a good idea ofr those of us that are having problems with the same companies and CAs to the point that we are suing. It would go a long way to show the "preponderance of evidence" that each one of our cases are not one time things. I would be willing to send a notarized statement on my problems with certain companies to anyone that needs it. It could help in mediation as well. Link to comment Share on other sites More sharing options...
herauntsis Posted September 4, 2002 Report Share Posted September 4, 2002 Great idea! I have wondered along similar lines myself . . . how to show the judge that the company didn't just make an honest mistake, that they do this kind of thing as a business practice, that it is their policy to break the law. I have seen posts recently where the CRAs are now telling people that if they want a description of the procedure used to verify the information, they have to subpoena it???? What the hell is that? The FCRA is very clear on this point, and it doesn't say a damn thing about a subpoena. The first time I saw it, I thought the poster must have misunderstood, but I have seen it several times from different people since then. These CRAs are positively begging us to sue them.And what is the deal with not investigating inquiries? The law states in no uncertain terms that the CRAs are to investigate any item of information on a report that is disputed by the consumer. I am pretty sure that an inquiry counts as an item of information.Here's a new one: some woman at Experian told me they have stopped accepting disputes by fax. And of course, nobody called me to tell me that -- I wouldn't have found out at all if I hadn't called them about something else and just happened to ask about it. Otherwise my faxed dispute would have just sat there gathering dust and going nowhere. So what's next, no disputes by mail? No disputes by phone? Starting next month, they will only accept dispute by smoke signal? What do you guys think about that? The law doesn't say anything as far as I can see about how a dispute must be delivered to them, can they get away with that?Anyway, I am up for the sworn statement. If I can help anyone else hold these buttheads' feet to the fire, I will do what I can.P.S. Another thought I had -- if you check out the company on the BBB website, it will tell you how the company is rated according to how well they do at resolving consumer complaints. Both Trans Union and Experian are rated as having unsatisfactory performance records. That might help lay the groundwork. Link to comment Share on other sites More sharing options...
jordanmorganusa Posted September 4, 2002 Author Report Share Posted September 4, 2002 I was thinking about everyone. CRAS, CAs, OCs and lawyers. There ae a LOT of CAs that many people are having the same problems with. For instance, Genesis Financial is claiming that my problem was simply a ONE TIME break down in their procedure code. However, I have found this not to be true. This is the only CA claiming that it was a one time thing, but since that is what they are claiming, it is easy for me to refute that claim in black and white. Link to comment Share on other sites More sharing options...
troubledconsumer Posted March 31, 2003 Report Share Posted March 31, 2003 yes, what would be nice if someone started a website compiling info on individual CA's and CRA's, or start a topic in this forum dedicated to CA/CRA/OC's with a seperate thread for each CA/CRA/OC.Then people who have success/problems with these individual CA/CRA/OC's can post.Then it would be easy to locate people with the same problems as you?just a suggestion to the admin. Link to comment Share on other sites More sharing options...
LadynRed Posted March 31, 2003 Report Share Posted March 31, 2003 Good idea, I'd subscribe to that kind of forum ! Having to deal with some of the big baddies of the CA's, I would certainly add my statements to condemn them ! Link to comment Share on other sites More sharing options...
kb9tbq Posted March 31, 2003 Report Share Posted March 31, 2003 One more thing to add to the CA side of reporting; they should be forced to update reports when people are making payments on an account thus lower the balance utilization affecting the credit scoring & not just update at the end when the account is paid. Link to comment Share on other sites More sharing options...
Recommended Posts