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Going into battle with CBCS


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CBCS keeps reporting and verifying with the CRA’s even after a DV cmrrr. I also checked with the supposed OC. They have no record of me ever owing a debt with them.

They have been reporting prior to them signing for the DV( They signed for the DV 3-22-2006)letter. I sent another letter May 6, 2006, still no response.

I am not contending their prior to DV reporting.

It is the reporting after they signed for the DV that I have an issue with.

There has been no contact (no dunning letter or Correspondence neither before or after the DV )from them. Only reporting verifying and updating to the CRA's

I never got a dunning letter and sent a DV after seeing the TL show up on my report. However, I had been disputing with the CRA’s prior to sending a DV. So it was marked in dispute before they received the DV. However, the balance date is different and therefore has been updated.

They signed for the DV 3-22-2006

EX report dated 3-19-2006 before DV

Account Name: CBCS

Account Number: xxxxxxxxxx

Account Type: Collection Department / Agency / Attorney

Type of Business: Collection Department - ACB Credit Bureau

Terms: 1 Month

Account Status: Closed

Monthly Payment: $0

Date Open: Aug, 2002

Balance: $145

Balance Date: Mar 11, 2006

High Balance: Not reported

Credit Limit/Orig. Amt.: $145

Past Due: $145

Remarks: Account in dispute-reported by subscriber

Payment Status: Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department

EX report dated 5-2-2006 After DV

Account Name: CBCS

Account Number: XXXXXXXXXXX

Account Type: Collection Department / Agency / Attorney

Type of Business: Collection Department - ACB Credit Bureau

Terms: 1 Month

Account Status: Closed

Monthly Payment: $0

Date Open: Aug, 2002

Balance: $145

Balance Date: Apr 8, 2006

High Balance: Not reported

Credit Limit/Orig. Amt.: $145

Past Due: $145

Remarks: Account in dispute-reported by subscriber

Payment Status: Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department

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They continue to report to all three CRA’s and continue to verify with the CRA’s.

Last reports show reported date 12-2006 and 1-2007.

I just sent them another letter last week cmrrr. It they do not respond to this, then I am going to sue for reporting violations and continued collection.

Any opinions?

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