breathing_easier Posted October 7, 2004 Report Share Posted October 7, 2004 DocDon, I think you may have something there with your avatar depiction of what goes on at the CRAs. Cases in point:#1: I noticed recently that my Experian report was stating that my home address was a non-residential address. My house was built in 1939, and is smack dab in the middle of a 65-year-old subdivision. My conversation with the Experian rep:ME (sweetly): I see that my report is listing my address as non-residential when, in fact, it is a single-family home and definitely residential.EX: We get our information from the U.S. Post Office. If they say it is non-residential then we have to go with what they say.ME: I doubt that the U.S. Post Office would have ever reported my home as non-residential. [Note to self: This is the first time I've ever heard that the USPS reports anything to the CRAs!] Perhaps a previous owner ran a business out of the home years ago, I don't know, but I bought the home 10 years ago and have lived here ever since. I'm here to tell you that the address is definitely residential.EX: I'm sorry, we still can't change it.ME: (Still maintaining my ever-sweet demeanor.) I don't understand, it's information in my profile that is incorrect. It needs to be updated.EX: Sorry. We just can't.#2: My positive, never-late Marshall Field's TL of 10 years suddenly began reporting as closed with $0 balance with all three CRAs. MF confirmed that the account is very much open and active. Then the EQ and TU MF TLs disappeared entirely. FICO drops 10 points on both. I contact both EQ and TU to request assistance in having the TL reinserted. I have already contacted MF and they have provided me with a letter affirming the account number, that the account was open, active and in good standing, the balance owed, the credit limit, etc. on Target letterhead with full contact info, signed by Target Customer Service Manager. EQ and TU both ask me to send the letter to them as basis for reinserting the TL. I fax it to EQ and overnight mail it to TU. Promptly receive replies from them stating "Sorry, we can't use the documentation you sent. We must conduct our own investigation." Sure enough, both "verify" that the MF TL should no longer be reporting! Instead of sending a procedural request, I decide to call them again. I start with TU, who says, "We will need something in writing from MF stating that the account is open." What the… So, I decide to give it a rest and just wait until the MF sale to The May Company goes through within a few months. I'm fairly confident that the TL will show up again then, especially since I'm still using the account. In the meantime, the EX TL also disappears. Link to comment Share on other sites More sharing options...
DocDon Posted October 7, 2004 Report Share Posted October 7, 2004 They like to throw poop at each other too. So the USPS is in on this too now huh? The USPS is now liable because it provides information to the CRA's??? Is that what the rep was inferring? Link to comment Share on other sites More sharing options...
breathing_easier Posted October 7, 2004 Author Report Share Posted October 7, 2004 They like to throw poop at each other too.Right now, I'd like to throw poop at them! So the USPS is in on this too now huh? The USPS is now liable because it provides information to the CRA's??? Is that what the rep was inferring?Sounds like that's what they're saying. I know that there is no way on God's Green Earth that the USPS reports anything to the CRAs. Perhaps he was trying to say that the USPS confirmed that it was a non-residential address, but I'm doubtful that they even do that, especially when it's not! I went a few rounds with the rep but he wouldn't budge. I'll call again another day and hope I get a monkey a little higher up on the tree.Dang, does this mean that I'm going to have to close up the brothel I'm running out of my home? And I was expecting to be the next Heidi Fleiss, too! (Without the prison part, of course.) Link to comment Share on other sites More sharing options...
anti-something Posted October 7, 2004 Report Share Posted October 7, 2004 go the whole route, write back the CRA, disputing the non-residential notation, wait for them to send you back whatever excuse they come up with (USPS told us this info) get the PR, then send a letter to USPS telling them they are reporting inaccurate information to a CRA, give them a copy of the letter from CRA, and tell them they must fix their error.when they come back and say wha?? we dont report information to CRAs, you can snooker CRA. Link to comment Share on other sites More sharing options...
gprncss Posted October 7, 2004 Report Share Posted October 7, 2004 Going through the same. I wrote to EX a while back about updating my personal information including deleting old addresses. Strangely enough they did. Put my most recent CR shows it is all back on again including the wrong ones. I called and spoke with someone who while I'm in the middle of telling her what to delete cuts me off by saying well we have no end dates on addresses, it stays on your credit forever. So I said, well you cannot insert any information on my CR that has been priviously deletd without informing me and you have clearly done that!All the genuis could say was well we don't delete addresses.Ya ok, whatever didn't even catch on to my "a re-insertment without notification" is a violation! Link to comment Share on other sites More sharing options...
DocPC Posted October 7, 2004 Report Share Posted October 7, 2004 They like to throw poop at each other too.Right now, I'd like to throw poop at them! So the USPS is in on this too now huh? The USPS is now liable because it provides information to the CRA's??? Is that what the rep was inferring?Sounds like that's what they're saying. I know that there is no way on God's Green Earth that the USPS reports anything to the CRAs. Perhaps he was trying to say that the USPS confirmed that it was a non-residential address, but I'm doubtful that they even do that, especially when it's not! I went a few rounds with the rep but he wouldn't budge. I'll call again another day and hope I get a monkey a little higher up on the tree.Dang, does this mean that I'm going to have to close up the brothel I'm running out of my home? And I was expecting to be the next Heidi Fleiss, too! (Without the prison part, of course.)What are your rates? Link to comment Share on other sites More sharing options...
anti-something Posted October 7, 2004 Report Share Posted October 7, 2004 What are your rates? whatever she says, i'll charge 10% less 8) Link to comment Share on other sites More sharing options...
DocPC Posted October 7, 2004 Report Share Posted October 7, 2004 What are your rates? whatever she says, i'll charge 10% less 8)Sweet! Pencil me in... Link to comment Share on other sites More sharing options...
breathing_easier Posted October 7, 2004 Author Report Share Posted October 7, 2004 go the whole route, write back the CRA, disputing the non-residential notation, wait for them to send you back whatever excuse they come up with (USPS told us this info) get the PR, then send a letter to USPS telling them they are reporting inaccurate information to a CRA, give them a copy of the letter from CRA, and tell them they must fix their error.when they come back and say wha?? we dont report information to CRAs, you can snooker CRA.Will most likely end up having to do that, but it's so frustrating to have to spend all the time and CMRRRs on such a silly thing. My goal is an absolutely clean report, including nothing but correct info. The things that seem like they should be no-brainers seem to turn out to be the ones that give you the most trouble! Link to comment Share on other sites More sharing options...
anti-something Posted October 7, 2004 Report Share Posted October 7, 2004 DH had one of those 'no-brainers' the TL readDOLA 10/96Last reported 10/0030 day late one time in the last 22 months since last reported.disputed, came back and said 30 day late one time in the last 60 months since reported.someone couldnt count and it never was late anyway Link to comment Share on other sites More sharing options...
goodmank Posted October 8, 2004 Report Share Posted October 8, 2004 In the words of a very famous postal workerNewman - "when you control the mail.......you control information!" Link to comment Share on other sites More sharing options...
breathing_easier Posted October 8, 2004 Author Report Share Posted October 8, 2004 In the words of a very famous postal workerNewman - "when you control the mail.......you control information!" And I can only imagine how Cliff Claven would weigh in on the subject. He'd probably recite the entire history of the USPS! Link to comment Share on other sites More sharing options...
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