CreditSuperstar Posted February 26, 2005 Report Share Posted February 26, 2005 Ok,Had THIS on my EX report as of 2-9-2005.Account Name: PALISADE COLLECTIONS I Account Number: xxxxxxxxx Acct Type: Collection Department / Agency / Attorney Acct Status: Closed Monthly Payment: Date Open: 1/1/2002 Balance: $1,173.00 Terms: 1 Month High Balance: Limit: Past Due: $1,173.00 DV'd Palisade and also performed online dispute with EX at the same time. NOW... not only is Palisade STILL showing...so is THIS...Account Name: OSI PORTFOLIO SERVICES Account Number: xxxxxxxxx Acct Type: Collection Department / Agency / Attorney Acct Status: Closed Monthly Payment: Date Open: 12/1/2004 Balance: $1,173.00 Terms: 1 Month High Balance: Limit: Past Due: $1,173.00 I am assuming I should DV OSI and redispute with EX.Would I also be correct in assuming that the Palisade account should be removed? If it is reported from both is Palisade in violation? IS OSI in violation for reaging?Finally, since it was ON my report AS Palisade at the time I requested DV, do they have any obligation to validate and is this a violation? It just appeared TODAY.Thx Credit Guru's! FCS Link to comment Share on other sites More sharing options...
retmar Posted February 26, 2005 Report Share Posted February 26, 2005 Dispute the Palisade with the CRA. They cannot verify a debt they do not have. If they do, you have them in violation.As to the date, it is legal. The only date they cannot change is the DOLA. On your EQ, it is seen as the "Date of First Delinquency". The "Date Opened" only means the date they opened the account. It could be the date it was assigned or the date they bought it.DV OSI and be sure to include copies of your first one, including copy of green card. Let it be known that you are filing complaints with your AG, their AG, the FTC,and all other governing agencies. The reason is that what they are doing is illegal and you will not tolerate it. Use your own choice of words. Link to comment Share on other sites More sharing options...
CreditSuperstar Posted February 27, 2005 Author Report Share Posted February 27, 2005 retmarCredit ExpertJoined: 24 Jan 2003Posts: 1883Location: California Posted: Sat Feb 26, 2005 5:52 pm Post subject: --------------------------------------------------------------------------------Dispute the Palisade with the CRA. They cannot verify a debt they do not have. If they do, you have them in violation. DV OSI and be sure to include copies of your first one, including copy of green card. Let it be known that you are filing complaints with your AG, their AG, the FTC,and all other governing agencies. The reason is that what they are doing is illegal and you will not tolerate it. Use your own choice of words. Ret,Thx a lot! I appreciate the help. I understand what you are saying about Palisade and I will do as you suggested. Regarding OSI however, when I write to them, on what grounds will I tell them that what they are doing is illegal? Thanks again,FCS Link to comment Share on other sites More sharing options...
retmar Posted February 27, 2005 Report Share Posted February 27, 2005 Not that they are illegal, only that what has transpired is illegal.Remember, a CA can sell, transfer, or reassign to anyone at any time, and/or return to the OC. Your intent is to inform them of your prior attempts to resolve this matter, and that you find it very unprofessional, and maybe illegal, for the previous CA selling account after receipt of your letter. Therefore, you are going to pursue the investigation of this and that if it is illegal, you are giving them a heads up, so they may protect themselves. In short, you are being courteous to them, but, it may also cause them to go away as they do not want to be involved. I'm sure you get the idea. Link to comment Share on other sites More sharing options...
CreditSuperstar Posted February 27, 2005 Author Report Share Posted February 27, 2005 Ret-I get your drift- thx for the advice and I'll let you know how it works out.FCS Link to comment Share on other sites More sharing options...
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