eastoutwest Posted June 7, 2007 Report Share Posted June 7, 2007 All:I two months ago I paid off a collections TL. They said it would take up to 90 days to update to "paid" status, so I just disputed it with the CBs to get them going on the issue. To my surprise, the CA did not confirm that I had paid, but verified a dollar amount and "unpaid / collections" status. Since I had received written documentation from the company that I was paid in full, I copied that documentation and sent it to the three CBs with a written request that they update my status to "paid in full" with a $0 balance. To my surprise, every one of them sent me a letter saying "We are unable to accept your documentation." How can this be? How can a letter from the CA saying that I am paid in full be unacceptable? Nevertheless, they have all indicated that they will again contact the CA to re-dispute. Why did they reject my copy of this paid-in-full letter as "unacceptable"?Thanks Link to comment Share on other sites More sharing options...
CreditLawGuru Posted June 7, 2007 Report Share Posted June 7, 2007 they never accept documentation from consumers, that would be too easy. Link to comment Share on other sites More sharing options...
Amerikaner83 Posted June 8, 2007 Report Share Posted June 8, 2007 they never accept documentation from consumers, that would be too easy.They assume you can fake documentation I suppose...... Link to comment Share on other sites More sharing options...
ad2s07 Posted June 8, 2007 Report Share Posted June 8, 2007 they never accept documentation from consumers, that would be too easy.That's not completely true. They (TU) accepted a letter from me showing that a tax lien was paid. In fact they asked me to send it to them. I guess everybody situation is different. I regret I did that because now I am trying to get it removed. Link to comment Share on other sites More sharing options...
eastoutwest Posted June 9, 2007 Author Report Share Posted June 9, 2007 Interesting situation unfolding about this item -- it has been deleted from all reports. Last week I got the letter about "unacceptable documentation" and True Credit shows this morning that the TL has been deleted from all reports. WHY? I guess I shouldn't look a gift horse in the mouth -- maybe it was because they got caught verifying a paid account and didn't want to push the issue? Any ideas? I guess I don't really care, it bumped all three scores 20 points overnight, now I just PRAY that since it's a paid collection that they don't bother to re-report it! Link to comment Share on other sites More sharing options...
merkurfan Posted June 10, 2007 Report Share Posted June 10, 2007 That's not completely true. They (TU) accepted a letter from me showing that a tax lien was paid. In fact they asked me to send it to them. I guess everybody situation is different. I regret I did that because now I am trying to get it removed.I sent TU a statisfied lein statement from the state, and to my suprise, the accepted it and insted of marking the lein paid, they DELETED it!Could not ask for a better response if you ask me. Link to comment Share on other sites More sharing options...
ad2s07 Posted June 11, 2007 Report Share Posted June 11, 2007 I sent TU a statisfied lein statement from the state, and to my suprise, the accepted it and insted of marking the lein paid, they DELETED it!Did your score go up? Link to comment Share on other sites More sharing options...
Ahntara Posted June 11, 2007 Report Share Posted June 11, 2007 None of the CRA's accept documentation from the consumer. As Amerikaner said, you could have faked the paperwork.What they DO do is, accept your documentation as a dispute and then verify with their own sources. They go through standard E-Oscar procedures and if your docs are correct (in their databases) the item is shielded from view; if not, it stays on. They send the "we do not accept..." form letter automatically to let you know their policy. Link to comment Share on other sites More sharing options...
Tazjeepcj7 Posted June 11, 2007 Report Share Posted June 11, 2007 My recollection from a tax lien several years ago is that the county would not (at least at that time) report a lien as paid, only issue a letter stating the lien was paid. I had to get the letter and send it to the Credit Reporting Agencies to get the lien status changed from unpaid to paid. Link to comment Share on other sites More sharing options...
eastoutwest Posted June 12, 2007 Author Report Share Posted June 12, 2007 ... They go through standard E-Oscar procedures and if your docs are correct (in their databases) the item is shielded from view; if not, it stays on. They send the "we do not accept..." form letter automatically to let you know their policy."shielded from view?" Is this permanent, or will this item get re-reported in a month and my score goes back down? I'm just confused by exactly what you meant. THANKS! Link to comment Share on other sites More sharing options...
merkurfan Posted June 12, 2007 Report Share Posted June 12, 2007 Did your score go up?oddly, only a few points. it was from 01 and was 25,000 bucks. Link to comment Share on other sites More sharing options...
merkurfan Posted June 12, 2007 Report Share Posted June 12, 2007 My recollection from a tax lien several years ago is that the county would not (at least at that time) report a lien as paid, only issue a letter stating the lien was paid. I had to get the letter and send it to the Credit Reporting Agencies to get the lien status changed from unpaid to paid.smells like a loop hole for someone who wants a lein marked paid thats not. Fake a letter, send it off and boom, lien gone... Link to comment Share on other sites More sharing options...
hipsociety Posted July 12, 2007 Report Share Posted July 12, 2007 You forgot to add: BOOM...Go to jail!!! Link to comment Share on other sites More sharing options...
merkurfan Posted July 12, 2007 Report Share Posted July 12, 2007 I didn't say I would do it.. The state does not report the lein, the CRA trolls pick it up. If you send them a fake letter and they (the CRA) falls for it. what law have you violated? The lein is still active, and the state/fed can still collect. You just lied to a CRA, and CA's do that ALL the time, any of them go to jail??? Link to comment Share on other sites More sharing options...
hipsociety Posted July 12, 2007 Report Share Posted July 12, 2007 What law have you violated? Forgery of Federal/State documents, mail fraud for sending them through the mail, impersonation of a government official (since you would have to sign someones name to make the FAKE letter appear official). Lets just end this discussion, because anytime you try to defraud, your going to get bit in the end! Link to comment Share on other sites More sharing options...
merkurfan Posted July 13, 2007 Report Share Posted July 13, 2007 guess you have not seen a state of minnesota lein release. Theres no ones signature on it Just says the lein number, and the pay off date. Honestly what the state sent me looks like something I could (but would not) make with microsoft word. granted, I did not think of the impersonation angle or forgery. You can skip mail fraud and fax Link to comment Share on other sites More sharing options...
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