torikid Posted July 18, 2008 Report Share Posted July 18, 2008 Wow, I spent last year trying to get a small sprint/ afni collection of DB credit. No luck whatsoever, but we filed a lawsuit this week.The end of May, I received a dunning letter from them for a $79 phone bill and, of course, I responded CMRRR timely.DON'T YOU KNOW... they inserted this trade line on all three bureaus on 7/8 and 7/16. No response to my DV, but they put that darn thing on the bureaus. I just finished firing off my letters to the MN AG, IL Ag, BBB and FTC about this. THIS time, I know not to bother waiting. On August 1, I will fire out my 2nd DV with notes about their violations already, letters to those who matter and expect to receive no response worthwile.I will wait my 15 days and then file suit. I will not wait another year to start this bull.I can't help but shake my head in disgust. Tis a shame... over such a small amount. I honestly thought it would be easier this round due to everything being timely. MY MISTAKE. LOL Link to comment Share on other sites More sharing options...
SteveAR Posted July 18, 2008 Report Share Posted July 18, 2008 i have the same company doing it to me and ill do the same as you. Link to comment Share on other sites More sharing options...
torikid Posted July 18, 2008 Author Report Share Posted July 18, 2008 Yeah, they have not budged for me much over time. In fact, the disputes made them report twice. I just know they they will not budge so I will not bother waiting it out in case they drop it. This time is pretty clear cut for me. I will have the back up document from the get go with the agency's help. Link to comment Share on other sites More sharing options...
Florida_Bronco Posted July 18, 2008 Report Share Posted July 18, 2008 Looks like you have pretty clear cut violations there. I agree that if they don't remove the listing after the 2nd DV that it's time to file a lawsuit. Link to comment Share on other sites More sharing options...
torikid Posted July 20, 2008 Author Report Share Posted July 20, 2008 And just like that.... few days later.... poof... they are GONE from ALL THREE. Maybe it was my persistance... maybe it is the lawsuit from the AG of my state... But frankly, who cares... they are gone. Link to comment Share on other sites More sharing options...
SteveAR Posted July 20, 2008 Report Share Posted July 20, 2008 can i see the sample letter you sent them so i know what worked? im having the same exact issue with them. I have sent my DV letters and nothing. This phone bill is for sure not mine but they keep saying it is. Ive never in my life had sprint. Link to comment Share on other sites More sharing options...
torikid Posted July 20, 2008 Author Report Share Posted July 20, 2008 I will look for it, but I want to say that MINE was for an MCI account. My DB's I have been fighting for over a year is a Sprint. They still remain. We filed lawsuit this past Monday on it. I don't know if the quality of records kept from the OC matter. But we still have had no fun with Sprint being the OC. I am pretty sure I just used the basis of a letter from the CIC E Book. Being timely, I really did not care what it said. I think it was the BBB, FTC, and AG that made the difference. The 30 days since they signed DV number one doesn't even expire until Aug. 1., but they inserted onto the credit as recently as a few days ago.In addition, my DV was timely. My DF never received a notice. To clarify what we are suing for on the Sprint is not the timely validation... we included that as extra to try, but they reported two tradelines all with different information at one time. It was also listed specifically as a foreclosure on his credit report which got him denied for a car loan. Link to comment Share on other sites More sharing options...
SteveAR Posted July 20, 2008 Report Share Posted July 20, 2008 I think it was the BBB, FTC, and AG that made the difference.pretty new so what does that mean? you filed a complaint and included it in the letter? These people contacted them to get it removed? what did you do with these 3 organizations? Link to comment Share on other sites More sharing options...
torikid Posted July 20, 2008 Author Report Share Posted July 20, 2008 I filed a complaint with each of those companies. The Attorney general of my state and theirs (IL). It is procedure for those companies to contact them and inquire about the complaint. In my complaint I mentioned that I sent a timely DV (within 30 days of the initial letter) and they CHOSE to report to my credit bureau. To the AG, I sent proof. From TrueCredit (TC) I get alerts and I sent each of those with the complaint. I did not sent anything further to AFNI, because I know those companies will contact them. I was going to wait until the 30 days to respond to my letter had passed, and when I sent the 2nd DV, it would have included an ITS, copies of the complaints and demand for deletion because they had already violated.Does that help to clarify? Link to comment Share on other sites More sharing options...
SteveAR Posted July 20, 2008 Report Share Posted July 20, 2008 I filed a complaint with each of those companies. The Attorney general of my state and theirs (IL). It is procedure for those companies to contact them and inquire about the complaint. In my complaint I mentioned that I sent a timely DV (within 30 days of the initial letter) and they CHOSE to report to my credit bureau. To the AG, I sent proof. From TrueCredit (TC) I get alerts and I sent each of those with the complaint. I did not sent anything further to AFNI, because I know those companies will contact them. I was going to wait until the 30 days to respond to my letter had passed, and when I sent the 2nd DV, it would have included an ITS, copies of the complaints and demand for deletion because they had already violated.Does that help to clarify?yes and those are my next steps. thanks a lot. i really appreciate it. Link to comment Share on other sites More sharing options...
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