FICOHunter Posted January 17, 2008 Report Share Posted January 17, 2008 I can not get these guys to budge at all!Here is what I have done.....I have sent 3 different disputes to the CRAs and they all came back "verified".I have sent 3 different certified letters (each one a bit more forceful) to the CA. I have gotten a computer print out on the last one that just shows a screenshot.....I finally sent an ITS to them AND filed an online complaint with the BBB and AG.The BBB sent back a response stating that the CA never responded back. The AG sent an automated response stating that this is a civil matter unless I can show any laws that have been broken and they appreciate me bringing this to their attention......So what is the next step. The SOL is way past, they have not provided me with anything but a simple screenshot and they have not responded back to the BBB or AG...Any ideas? Link to comment Share on other sites More sharing options...
lovebug5 Posted January 17, 2008 Report Share Posted January 17, 2008 A little bit of background information would be helpful here...What are you disputing and why are you disputing it? Link to comment Share on other sites More sharing options...
FICOHunter Posted January 17, 2008 Author Report Share Posted January 17, 2008 I guess that would help a bit! Sorry bout that....I had an account with a local cable provider. I always paid on time and never had an issue. Then I moved (4 1/2 years ago). I pulled my credit early last year and found a collection account from Credit Management Inc in TX. They state that the OC never recieved the cable box back from me when I moved.... However, according to them..... i did return the remote control.... Sooooo..... 1st Dispute with CRA-verified1st DV to CA- fraud letter2nd Dispute with CRA- Verified2nd DV- no response3rd Dispute with CRA- Verified3rd DV (forcful)- Screenshot of accountFinally-BBB complaint- No response by CA- claim closedAG- not qute sure... they sent an automated response saying that its a civil matter..... Link to comment Share on other sites More sharing options...
lovebug5 Posted January 17, 2008 Report Share Posted January 17, 2008 This is going to be a he-said/she-said situation. Obviously if you returned the remote control, you most likely returned the cable box. Problem is, I'm assuming that you don't have any type of paperwork showing that you returned the equipment? I had that same problem here, where I returned my cable equipment and the company claimed to have never received it. Unfortunately, I never held onto the little slip that they gave me when the equipment was returned because I wasn't thinking that they would ever pull a fast one on me. Since your DV'ing with the CA in question is untimely and they basically don't have to do anything with your letters, I would try a different tactic, IMO...I'd send a nice letter to the cable provider, explaining the situation to them. I'd tell them that you were never late on your bills, never had any problems with them, and returned your equipment when you moved. However many years later you find out that the account had been sent to collections for an unreturned cable box which you know you returned because you returned the remote control. I'd say, point blank in my letter, "Why would I return a remote control to you without the cable box?" Keep going about your previous account history with them and how you don't understand how they can treat a valued customer in such a manner...That they've damaged your credit report which has adversely affected your score, etc. Basically a GW letter but a little bit more forceful on the whole topic of..."Hey OC, think about it. Why would I bother returning a remote to you if I didn't return the cable box itself? It makes absolutely no sense. I was a great customer, never gave you any problems, and now I'm dealing with this?"Oh - and I'd CC the CA on the letter, so the OC knows that you're sending it to the CA as well. Link to comment Share on other sites More sharing options...
someonesomewhere Posted January 17, 2008 Report Share Posted January 17, 2008 I had an account with a local cable provider. I always paid on time and never had an issue. Then I moved (4 1/2 years ago). I pulled my credit early last year and found a collection account from Credit Management Inc in TX. They state that the OC never recieved the cable box back from me when I moved.... However, according to them..... i did return the remote control.... I presume you don't have anything from them showing a final balance of $0, right? Link to comment Share on other sites More sharing options...
FICOHunter Posted January 17, 2008 Author Report Share Posted January 17, 2008 Unfortunately I dont have any documentation on this from the OC and the OC is not showing anything on my CR....Nothing showing $0 balance. Link to comment Share on other sites More sharing options...
fred333 Posted January 17, 2008 Report Share Posted January 17, 2008 huh... That is wierd. Link to comment Share on other sites More sharing options...
someonesomewhere Posted January 18, 2008 Report Share Posted January 18, 2008 You could also try an FTC complaint.Since it's a cable company, they are usually regulated by a state agency that regulates the utilities. File a complaint with them.I would continue following the DV flowchart. Send a copy of their "verification" to the CRAs along with a CMRRR dispute saying the CA failed to validate in accordance with FDCPA and thus must be deleted. Might include a copy of the Cass letter as well. Link to comment Share on other sites More sharing options...
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