hank44 Posted December 14, 2007 Report Share Posted December 14, 2007 so I was able to negotiate with the CA to remove their TL from my report. The OC (Ford) had sold this debt, and during the term in which the CA attempted to collect, all dispute verifications were deferred to the CA by Ford. Ford sent me a letter during this period stating that they could not verify anything as the file had been transfered, referring me back to the CA. Now I'm attempting to get Ford to voluntarily agree to remove their TL playing the 'nice guy' angle. After I did get someone to listen to me there, they somehow reported the TL and in the case of my TU report, the verification that had previously said 10/07 now goes back 02/07, the date of the CO at the point in which they sold the debt. This seems pretty bogus, by their requesting this change to me it's the same as an admission of guilt that it was wrong to begin with. If they in fact do not own the file, logic would prevail that they can no longer verify/validate my dispute. Has anyone any advise in this type of situation? At this point, it's the last big baddie on my report. Fortunately Equifax as deleted, the others wont budge. Any advice is greatly appreciated!Hank Link to comment Share on other sites More sharing options...
someonesomewhere Posted January 9, 2008 Report Share Posted January 9, 2008 Have you already paid the CA? Link to comment Share on other sites More sharing options...
hank44 Posted January 9, 2008 Author Report Share Posted January 9, 2008 I didnt have to pay the CA, they dismissed their case with prejudice. Since I posted this, I've been battling with Ford to remove their TL and they wont budge. I still can not believe that they can continue to verify after I've disputed when they have already told me (in writing) that they don't have my file anymore!! Link to comment Share on other sites More sharing options...
musiqdefunk Posted January 9, 2008 Report Share Posted January 9, 2008 I had the same problem with BoA which sold a debt to a CA named West Asset Management. I recieved a letter from West Asset Management which inturn I DV'd and got a response back from them stating they would no longer collect on this debt. Meanwhile the actual tradeline on my Credit Report is from BoA so I sent a dispute letter to Transunion thinking this would be an easy deletion when I came to realize that BoA ended up verifiying the account. So I sent them a letter which came back because the address was wrong. So I called to find out what it was and the lady explained there was no need for me to send out a letter because they had no documentation to prove this debt - they also told me to talk to the CA. She finally gave me the address and I sent the letter to request an investigation under FRCA 623. I am building a case now to sue. So i might send another letter just to build a paper trail. But I would send them a request to investigate letter, and see what they say. Link to comment Share on other sites More sharing options...
hank44 Posted January 9, 2008 Author Report Share Posted January 9, 2008 But I would send them a request to investigate letter, and see what they say.sorry, I'm slow . Are you suggesting sending a letter to the CA or the OC? Another thing that keeps coming to mind......since it is completely obvious that during the time the CA was still collecting, that they were the actual party verifying the OC account (even by Ford's admission), would it stand to make sense that they may feel legally obligated to also request the deletion on the OC TL as well? Link to comment Share on other sites More sharing options...
jetscarbie Posted January 9, 2008 Report Share Posted January 9, 2008 I didnt have to pay the CA, they dismissed their case with prejudice. Since I posted this, I've been battling with Ford to remove their TL and they wont budge. I still can not believe that they can continue to verify after I've disputed when they have already told me (in writing) that they don't have my file anymore!!Have you tried sending your paperwork to the CRA's. Link to comment Share on other sites More sharing options...
hank44 Posted January 9, 2008 Author Report Share Posted January 9, 2008 Have you tried sending your paperwork to the CRA's.not yet, I tried to get Ford to do it voluntarily. I definitely plan on doing so once I run out of steam. I've been really successful at getting deletions in the last six months, but I've not yet had to submit a large amount of supporting documentation for a removal. Do you (or anyone) have experience or advice on submitting substantial documentation as a means for deletion? I have about 10 documents (including the CA's court dismissal), basically the same supporting documents that seem to have failed me by going to Ford. How do the CRA's react when presented with this type of thing? Link to comment Share on other sites More sharing options...
VeVe Posted January 10, 2008 Report Share Posted January 10, 2008 not yet, I tried to get Ford to do How do the CRA's react when presented with this type of thing?You can send them, but odds are they won't accept them. It's easy for consumers to forge documents, so unless it comes directly from the data furnisher, they don't bother with it. Link to comment Share on other sites More sharing options...
Amerikaner83 Posted January 10, 2008 Report Share Posted January 10, 2008 you can do like Merk and go straight to the OC with an investigation request pursuant to section 623 of the FCRA...they have 30 days to get back to you...but only AFTER you dispute with the CRAs... Link to comment Share on other sites More sharing options...
hank44 Posted January 10, 2008 Author Report Share Posted January 10, 2008 You can send them, but odds are they won't accept them. It's easy for consumers to forge documents, so unless it comes directly from the data furnisher, they don't bother with it.I have all of the actual court documents, highlighted (and now changed) discrepancies/inaccuracies on my credit report, and a letter from Ford stating that they transfered/sold my account and do not have the means to verify. Will the CRA's dismiss these types of documents? EQ deleted months ago, I wish I know by what criteria they were willing to delete but TU and EX wont. Link to comment Share on other sites More sharing options...
VeVe Posted January 10, 2008 Report Share Posted January 10, 2008 I have all of the actual court documents, highlighted (and now changed) discrepancies/inaccuracies on my credit report, and a letter from Ford stating that they transfered/sold my account and do not have the means to verify. Will the CRA's dismiss these types of documents? EQ deleted months ago, I wish I know by what criteria they were willing to delete but TU and EX wont.Doesn't matter if you send originals, notarized, etc. They mean nothing to a CRA because they have no proof that they are authentic documents (and in most cases, they aren't authentic). If Ford sends them, they will probably accept them. But then again if you dispute and Ford is verifying, there is a whole seperate issue. I just don't understand what a CA removing your account has to do with the OC removing it. It doesn't seem as though there is any reason for the OC to remove it, or why you would have documents stating that they would. Lots of sold accounts can still be reported by the OC. Link to comment Share on other sites More sharing options...
hank44 Posted January 10, 2008 Author Report Share Posted January 10, 2008 I just don't understand what a CA removing your account has to do with the OC removing it. It doesn't seem as though there is any reason for the OC to remove it, or why you would have documents stating that they would. Lots of sold accounts can still be reported by the OC. I suppose it's fair to say that I feel that I have them on a possible technicality. First off, I had always contended that I owed them nothing and had satisfied my lease in full. They said I owed them miles overage, I had documentation to disprove this. Because of this, I was able to fight the CA and get them to dismiss, they knew if we went to court that I would pound them. So in my mind, since I beat the CA I feel that I dont deserve the CO from Ford. The technicality is that Ford sent me a letter stating that they couldnt verify my account during the time of dispute because they didnt own it. But during this time, the CRA's were reporting new verification dates, which meant that it wasnt actually Ford that was verifying, but rather Cavalry on their behalf. During that period, they falsely reported additional late charges, re-aged the debt, etc. I was also denied credit during that period. Now after the fact, Ford goes back and reports all of the information they had previous to selling my account as if nothing had ever happened. Just doesnt seem right to me that information reported on their account on my credit record can be abused by a CA, only to be swept under the rug once it's back in the hands of the OC. Link to comment Share on other sites More sharing options...
musiqdefunk Posted January 10, 2008 Report Share Posted January 10, 2008 Having a letter like the one you are stating about ford saying they do not have any documentation to verify, is exactly what you need to sue. Under FRCA they must provide you proof of ownership to verify a debt to the CRA. You arguement would be that they did not do a proper investigation during the time the CRA stated you were disputing the account due to not have any documentation. Send them an ITS letter. Link to comment Share on other sites More sharing options...
Fizzle1979 Posted January 10, 2008 Report Share Posted January 10, 2008 I had final success with an OC for an auto repo that was sitll within SOL, but it was not Ford. It was a long battle...took about nine months. But during those nine months the OC made several violations by changing dates and amounts several times. So you can beat the OC, just following the information on this web site. Link to comment Share on other sites More sharing options...
hank44 Posted January 15, 2008 Author Report Share Posted January 15, 2008 just a thought, would it make sense to send DV letter to Ford? If I were to, they've already told me that they dont have my file so they wouldnt have the means to validate. Would this make sense to try? I'm desperate! Link to comment Share on other sites More sharing options...
Amerikaner83 Posted January 17, 2008 Report Share Posted January 17, 2008 No it would not. Ford is an OC. Not a CA or a JDB. As such, ford does not have to validate (you don't send Ford a DV). They DO, however (if they are reporting on your CRs), have to investigate the accuracy of their tradeline on your reporst if you send them an investigation request pursuant to FCRA Section 623. the process is at the top of the page, click the "Dispute with Original creditors" link. Link to comment Share on other sites More sharing options...
hank44 Posted January 17, 2008 Author Report Share Posted January 17, 2008 thanks, makes sense now. Funny how I missed that link at the top of the page! Link to comment Share on other sites More sharing options...
someonesomewhere Posted January 17, 2008 Report Share Posted January 17, 2008 thanks, makes sense now. Funny how I missed that link at the top of the page!No worries. Before I knew any better, I DVed two OCs and actually got 2 deletions. More than 1 other person in here has had the same good luck from a dumb move. Sometimes there's no bureaucracy that can keep out stupid, and I'm an expert in that field. 1 Link to comment Share on other sites More sharing options...
lovebug5 Posted January 17, 2008 Report Share Posted January 17, 2008 Having a letter like the one you are stating about ford saying they do not have any documentation to verify, is exactly what you need to sue. Under FRCA they must provide you proof of ownership to verify a debt to the CRA. You arguement would be that they did not do a proper investigation during the time the CRA stated you were disputing the account due to not have any documentation. Send them an ITS letter.Every single time I see any type of response that even remotely resembles someone who is lawsuit happy, I'm compelled to respond to it...Replies such as Amerikaner's are right on the money - use the FCRA to your advantage in this situation. Link to comment Share on other sites More sharing options...
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