Mr. Levitow Posted March 8, 2005 Report Share Posted March 8, 2005 OK, got another one. I received a call from this CA named A-1 collections. They claimed that I brought a dog in to a vet clinic (OC) and had it put to sleep and never paid. They said that I they know it was me because I left my name and address with the vet. Obviously, I never paid the bill and the vet clinic assigned it to A-1. When A-1 called me I told them they were full of crap and they had better cease collection activity...no good. Later when I was looking at the first collection letter they sent me I realized how I could prove I never brought a dog in to the vet clinic, I was deployed to the Middle East! I produced orders and a paid travel voucher showing I was in the Middle East for 120 days all falling on the date I supposedly brought this dog in. I sent it to the collection agency CMRRR and haven't heard from them since...I contacted TU and the TL was deleted off (that was the only report it was on at the time). I went to refi my car yesterday though and the finance company pulled EX...said, "what's this A-1 collection crap!" I was denied refi and now I'm steamed. Should I send another letter CMRRR threatening lawsuit or what, or should I ask for validation and start racking up FDCPA violations in preparation for a lawsuit. Thanks for the help again. Link to comment Share on other sites More sharing options...
codename_fortyseven Posted March 8, 2005 Report Share Posted March 8, 2005 getting denied credit is bona fide damages. Your ability to get credit was impaired by a company that placed provably false info on your credit report. I'd be going for blood myself. Just make sure you keep the denial letter, that is very important. You could DV them for more violations, but that would only be helpful if you sued. I wouldn't threaten anything. They were notified that the account wasn't yours and provided proof, so they can't say they weren't notified or didn't have time to make the changes. Link to comment Share on other sites More sharing options...
Mr. Levitow Posted March 8, 2005 Author Report Share Posted March 8, 2005 OK, but what should my next step be...I'm a little peeved about it, I wouldn't even say the info is "probably" false...I have proof positive that I wasn't even in the U.S. when the alleged visit happened. Should I just dispute with the CRAs and get it deleted, send the CA another letter, or DV them in prep for lawsuit? I'm thinking I should just send the CA another letter but I'm not an expert on process. Link to comment Share on other sites More sharing options...
codename_fortyseven Posted March 8, 2005 Report Share Posted March 8, 2005 note I said provably false as in verifiably It all depends on how far you want to take it. It sounds like you want compensation for damages, and rightly so. I'd make sure to get a copy of the credit reports showing the CA accounts. DV seems out of place, since you aren't disputing the validity of the debt per se. That argument has already been settled, unless the CA verifies the account. I would dispute, write them a nasty letter first, telling them to get the derog off the credit report, and specify damages and a means for a remedy. Link to comment Share on other sites More sharing options...
Guest Posted March 9, 2005 Report Share Posted March 9, 2005 Also find out the date that it was lsted on your report.. the CRAs can tell you what month it was reported. If they reported AFTER you sent them proof that it wasn't your debt.. then I would take them to the mat.Letting companies get away with these things just encourages them to do them more often.EVERY Company that has screwed me in one way or another I have pretty much sued them in small claims or turned them over to my lawyer and so far every single one has settled out of court.Not to mention.. you are talking significant damages due to their failuer to make sure incirrect info was not removed from all three bureuas.I agree with the previous poster.. go for blood Link to comment Share on other sites More sharing options...
credit_on_mars Posted March 9, 2005 Report Share Posted March 9, 2005 Hell, my lawyer just mentioned I was going to sue this CA and they gave up, settled, and ran! Link to comment Share on other sites More sharing options...
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