calvary portfolio failure to delete TL

[Hoefsmed]

so here goes

so I'm at my favorite used computer store yesterday to buy this laptop and I write check and a few minutes later the clerk and friend hands me a certegy card and says my check is declined for negative information(code 1) so I call certegy and find out that calvary portfolio is reporting a check I wrote to gateway about 6 years ago i talked to the rep(certegy) and he's mailing me the particulars.

go back to may first last year (2006) same thing had happened at an office max

I contacted certegy and then calvary, calvary agreed that since I had stopped payment on the check, they would close the account with no balance due and delete their TL's within 30 days. I Have their letters both hard copy and fax.

So as far as I can see their are at least two violations here, one for failing to delete after telling me they would do so(in writing) and another for sharing collection info with at least one third party (certegy) and maybe two( the computer store as well, without my consent. what do you guys think? right now I'm thinking of hiring an atty in new york to pursue this in the courts there. they've definitely damaged my relationship with the store

note:

Gateway had charged me $50 for an estimate on fixing an in warranty computer without breaking the seal on the case(I put the seal there) they gave me a repair estimate of $700 for new motherboard, it actually needed a power supply

[qtptute]

so here goes

so I'm at my favorite used computer store yesterday to buy this laptop and I write check and a few minutes later the clerk and friend hands me a certegy card and says my check is declined for negative information(code 1) so I call certegy and find out that calvary portfolio is reporting a check I wrote to gateway about 6 years ago i talked to the rep(certegy) and he's mailing me the particulars.

go back to may first last year (2006) same thing had happened at an office max

I contacted certegy and then calvary, calvary agreed that since I had stopped payment on the check, they would close the account with no balance due and delete their TL's within 30 days. I Have their letters both hard copy and fax.

So as far as I can see their are at least two violations here, one for failing to delete after telling me they would do so(in writing) and another for sharing collection info with at least one third party (certegy) and maybe two( the computer store as well, without my consent. what do you guys think? right now I'm thinking of hiring an atty in new york to pursue this in the courts there. they've definitely damaged my relationship with the store

note:

Gateway had charged me $50 for an estimate on fixing an in warranty computer without breaking the seal on the case(I put the seal there) they gave me a repair estimate of $700 for new motherboard, it actually needed a power supply

Now dispute with the CRAs and you actually may have a claim. Right now you have an s2-a claim, which is worthless. You need the s2-b claim to sue.