lovelydria Posted January 11, 2008 Report Share Posted January 11, 2008 Help and Questions For The Long RUN!!! (Experts Please Help!!!!)1. When I DV multiple medical collections that’s from the same collection do I send them each a letter or do I send them on one letter? They are holding 5 accounts.2. First TN Bank is reporting as 2 TL on TU and EQ, it shows the right account number, and on EX, it shows another TL with a different account number, do I dispute with EX as incorrect account number? Or not mine?3. When I request an Investigation with the OC what am I looking for to receive in the mail as good enough information, What I am saying is am I looking for a print out of a balance, and or billing statements? They were reporting me late, so am I looking for actual statements that show I was late with real dates or some computer print out?4. Update!!!- I have to return to court in regards to when that collection agency for First TN Bank was trying to collect the debt. When I went to court the first time I was asking for billing statements in regards to that account and I also sent them a DV letter the next day after receiving the summons from them, when I appeared in court I saw that they received my letter, they said that they were going to get billing statements and send them to me and I have not yet received anything from them. Two weeks after appearing in court I notice on my Truecredit reports that they deleted there TL from TU and EX one day and the next day they deleted there TL from EQ, Now my question is when I appear in court can’t I bring all this information to court and proof or what is the best way to handle this situation? And why do you think they deleted reporting for?.....Please Help!!!5. Should I send a goodwill letter to Memphis Light and Water for a old paid collection, because I still have service with them, that paid collection was from when I had an old apartment and I now have a new apartment and I had to pay that before I could even move, so what is the best way to handle this?......Also EQ is reporting 3 times on my CR for the same collection account with the same account number. Should I dispute as multiple listings and not mine on the same letter or how would you all go about it?Thanks to all that can help Link to comment Share on other sites More sharing options...
lovebug5 Posted January 11, 2008 Report Share Posted January 11, 2008 1. When I DV multiple medical collections that’s from the same collection do I send them each a letter or do I send them on one letter? They are holding 5 accounts.In situations like that, especially with medical collections, I've just sent one letter versus bombarding them with multiple letters. Depends on how you look at it. As long as you clearly state each individual account in your letter, there really isn't a huge difference.2. First TN Bank is reporting as 2 TL on TU and EQ, it shows the right account number, and on EX, it shows another TL with a different account number, do I dispute with EX as incorrect account number? Or not mine?Did you have multiple accounts with them? If not, and the account on EX is incorrect, I would dispute it as "not mine" and push forward with the 1-2 punch.3. When I request an Investigation with the OC what am I looking for to receive in the mail as good enough information, What I am saying is am I looking for a print out of a balance, and or billing statements? They were reporting me late, so am I looking for actual statements that show I was late with real dates or some computer print out?When you request an investigation with an OC, you have to provide them with ample reasoning to support your request. Per the FCRA, you need to provide them with the account information in dispute, your reason for dispute and any supporting documentation to substantiate your request. If the OC feels as though they haven't been provided with enough information, they can deem your request as frivolous. If you're pushing forward with the "I was never late" reasoning, be prepared to have your own financial statements ready to show that you were never late on the account - or expect your request to be deemed as frivolous. The OC can print out any type of screen that they want to and send it to you, but if you have no canceled payment receipts or bank statements evidencing the fact that you were never late, it's a somewhat moot point.4. Update!!!- I have to return to court in regards to when that collection agency for First TN Bank was trying to collect the debt. When I went to court the first time I was asking for billing statements in regards to that account and I also sent them a DV letter the next day after receiving the summons from them, when I appeared in court I saw that they received my letter, they said that they were going to get billing statements and send them to me and I have not yet received anything from them. Two weeks after appearing in court I notice on my Truecredit reports that they deleted there TL from TU and EX one day and the next day they deleted there TL from EQ, Now my question is when I appear in court can’t I bring all this information to court and proof or what is the best way to handle this situation? And why do you think they deleted reporting for?.....Please Help!!!If they have removed their TL's from your CR's, what do you need proof for? 5. Should I send a goodwill letter to Memphis Light and Water for a old paid collection, because I still have service with them, that paid collection was from when I had an old apartment and I now have a new apartment and I had to pay that before I could even move, so what is the best way to handle this?I would do just that.......Also EQ is reporting 3 times on my CR for the same collection account with the same account number. Should I dispute as multiple listings and not mine on the same letter or how would you all go about it?If they're reporting three identical TL's on your report, I would dispute as "duplicate". Link to comment Share on other sites More sharing options...
lovelydria Posted January 11, 2008 Author Report Share Posted January 11, 2008 Well what I am saying is that when I go to court, what do I need to take with me as proof that they deleted there TL and that they never sent me billing statements.. Link to comment Share on other sites More sharing options...
lovelydria Posted January 11, 2008 Author Report Share Posted January 11, 2008 ? Link to comment Share on other sites More sharing options...
momof5 Posted January 12, 2008 Report Share Posted January 12, 2008 No and the judge wouldn't care if you did.It is proof of nothing in the long run. Most likely they are either going to dismiss the case or they won't show and you ask for a dismissal with prejudice. (that means they cannot refile)BTW,.....pet peeve of mine: "they deleted there TL" UGH! There is a location.THEIR is a possessive pronoun. They deleted THEIR TL.Class over. Link to comment Share on other sites More sharing options...
lovelydria Posted January 12, 2008 Author Report Share Posted January 12, 2008 Thanks! Link to comment Share on other sites More sharing options...
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