hendu Posted April 4, 2005 Report Share Posted April 4, 2005 Here's the scenario:.........A lien from California shows up on my friend's credit report. She is from Texas and always has been. She has NEVER lived out of Texas! She disputes it with EXP, it comes back verified. She is 100% positively sure it's not her's!!!! I am almost sure that they used a 3rd party source (Lexis/Nexis) to verify this. I inform her to call the courthouse in California. She does so and while on the phone, they went through everything, like SS#, address, and lien number, etc, etc. The clerk informed her that she is NOT the owner of the lien!!! The only things that matched was her first name and middle initial. The last names DID NOT EVEN COME CLOSE to matching! What a JOKE!!...........She just received the the copy of the lien. The names, SS#'s don't even match! She is ready to file suit. How many violations are there? EXP never could have done an investigation or they contacted a 3rd party source, which are both violations. Am I underestimating or overestimating? Link to comment Share on other sites More sharing options...
Xanathos Posted April 4, 2005 Report Share Posted April 4, 2005 1 violation is all she's got there. But it's a solid one. Link to comment Share on other sites More sharing options...
hendu Posted April 4, 2005 Author Report Share Posted April 4, 2005 Thanks Xanathos for clearing that up. If anyone would know, you would. Well, I will let her know to pursue her suit. Does she have them on "wilful non-compliance" and "defamation of character?"1 violation is all she's got there. But it's a solid one. Link to comment Share on other sites More sharing options...
Xanathos Posted April 4, 2005 Report Share Posted April 4, 2005 It would be willful if you could prove they never contacted the court to investigate the debt, or that they contacted the court, was told the debt was invalid, and verified it anyways. Which would allow for additional damages. Otherwise it's just negligent noncompliance Link to comment Share on other sites More sharing options...
hendu Posted April 5, 2005 Author Report Share Posted April 5, 2005 Well I know they never contacted the court.....they just verified it w/o doing anything. First of all, the lien was listed in Cali! There are no addresses on her report saying she lived in Cali. As soon as she called the courthouse out there, they immediately told her that it wasn't her's. I told her to stick it to them, I know I would! I can't stand EXP!!!!!! Link to comment Share on other sites More sharing options...
Sultan Posted April 6, 2005 Report Share Posted April 6, 2005 Well I know they never contacted the court.....they just verified it w/o doing anything. First of all, the lien was listed in Cali! There are no addresses on her report saying she lived in Cali. As soon as she called the courthouse out there, they immediately told her that it wasn't her's. I told her to stick it to them, I know I would! I can't stand EXP!!!!!! What is funny is that they claim that they do contact the court. We all know what BS that is. I called my courthouse myself and tried to get information over the phone and they said I needed to come in and could then request to view the file. Are we supposed to believe that the reporting companies actually dispatch someone to roll out to the court houses around the country and do this......... Or even take the time to make the phone call.........Hindu remember this as EX is to devil, TU are to butcher's Link to comment Share on other sites More sharing options...
hendu Posted April 6, 2005 Author Report Share Posted April 6, 2005 Right on CreditSultan! You would think a business entity would protect themselves from lawsuits! By listing an original creditor on someone's report and then turning around and verifying info with a different 3rd party source is like playing Russian roulette!!! WHAT IDIOTS!!! Anyway, I'll pay her filing fee, just to shove it up EXP's A$$!! How you been doing CreditSultan?Well I know they never contacted the court.....they just verified it w/o doing anything. First of all, the lien was listed in Cali! There are no addresses on her report saying she lived in Cali. As soon as she called the courthouse out there, they immediately told her that it wasn't her's. I told her to stick it to them, I know I would! I can't stand EXP!!!!!! What is funny is that they claim that they do contact the court. We all know what BS that is. I called my courthouse myself and tried to get information over the phone and they said I needed to come in and could then request to view the file. Are we supposed to believe that the reporting companies actually dispatch someone to roll out to the court houses around the country and do this......... Or even take the time to make the phone call.........Hindu remember this as EX is to devil, TU are to butcher's Link to comment Share on other sites More sharing options...
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