Champion80 Posted March 9, 2005 Report Posted March 9, 2005 Disputed a Collection only showing on EQ....deleted.. A couple months later, TU shows a new collection....The one that was deleted from EQ, they could have just sold the debt a long time ago and didnt have it in their records, but "coincedently" both CA's have the word Delta in them, so I am researching to check if it was a re-insertion.Main question though assuming it is a different company. I have already disputed and I am awaiting response, but I am having trouble finding the laws that a CA is required to do once they own the debt. For example, this debt was from 2000, they had my old address I moved from 3 years ago, are they off the hook if they sent their required mini-miranda and letter of debt to the old address, or do they have to find me and send it to the proper address before reporting? And lets also say I find out this company uses an alias to report the debt under another name and I was successfully at previously deleting with a dispute, what law should I ram up there a$$??
Champion80 Posted March 11, 2005 Author Report Posted March 11, 2005 Referencing the above post, I did my research and have absolute proof this Collection now showing on my TU report is the same company that was reporting on my EQ CR, I disputed and got the delete with EQ, now it shows the different company name and different address, but I cross referenced the phone number from my previous EQ report before it was deleted, and called the number I found from my research and it is certainly the same company, I was reading through the FCRA and FDCRA for a violation, got a headache reading so much, does anyone happen to know if I have a voilation??
Valkyrine Posted March 11, 2005 Report Posted March 11, 2005 Did they send you notice that they were planning on inserting neg info on your CR?I'm having the same problem with a reinsertion on TU. The bad part is the CA DID notify me. The good part is I still have the confirmation of delete letter from 2002. I'm planning on sending TU copies with an explaination letter. Hopefully, that works 'cause these guys are a$$es.Have you considered trying that or do you have info to the contrary??
Champion80 Posted March 11, 2005 Author Report Posted March 11, 2005 No they didnt send notice to me, that is what I was looking for, because this particular collection is back from 9/99 (DOLA), so the address they would have on file would be my previous address, thats why I am trying to figure out if they still did something wrong. I am very happy with them, My TU report only has 2 collections left, 1 I will pay and hopefully get the delete when I am ready, the other this stupid one that will fall off in a year, but I cannot wait that long, I am looking to buy a home in 3-6 months.
Valkyrine Posted March 12, 2005 Report Posted March 12, 2005 Gotcha.You're smart I know you'll figure it out LOL
Valkyrine Posted March 12, 2005 Report Posted March 12, 2005 Gotcha.You're smart I know you'll figure it out LOL
Champion80 Posted March 12, 2005 Author Report Posted March 12, 2005 I thought I was being clever..Yeah I know I will figure it out, I am just trying for some field experience..always nice to no a little more if possible..for example If I went back to playing baseball and wanted to be in the Pro's I have to find myself some good juice..
Champion80 Posted March 12, 2005 Author Report Posted March 12, 2005 I thought I was being clever..Yeah I know I will figure it out, I am just trying for some field experience..always nice to no a little more if possible..for example If I went back to playing baseball and wanted to be in the Pro's I have to find myself some good juice..
Champion80 Posted March 23, 2005 Author Report Posted March 23, 2005 I am posting on this again because I cannot seem to find a good answer with research.I have a confirmed deletion letter from EQ (this was the only CR listing TL) for this particular collection, it has since been re-inserted on TU. I was not given notification from the CA, they would not of had my new address because the account it over 5 years old, The account number is the same, the account name was slightly different with a P.O. Box address (which poses a problem for CMRR) after a little research, it is the same company just listing their name in a different fashion, I am about to send a DV letter, I am awaiting response from TU on the dispute. I will follow all of the steps, but I am trying to find out if they violated already because of no notification?
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