what violations are going on in my CR?Please help

Discussion in 'Credit Talk' started by lexy20, Aug 4, 2008.

  1. lexy20

    lexy20 Member

    Ok i posted this in another credit help site,nobody there would not help me! They thought I was stupid just because I didn't understand something. I hope I can get some kind of help here..
    This is on my CR from an OC medical bill. I may not know alot but this dosenot seem right. Could someone plese tell me what violations are going on here? Thanks in advance..

    THESE ARE ALL REPORTING FROM THE OC,NOT A CA!! MRMC stands fo Mecloud Reginal Medical center!
    These are on my EQUIFAX
    #1

    OC MRMC
    ACC# ******
    ACC OWNER: Individual Account
    TYPE OF ACC: Open
    DATE OPENED: N/A
    DATE REPORTED 7/2008
    DATE OF LAST PAYMENT: THIS IS BLANK
    DATE MAJOR DELINQENCY FIRST REPORTED: THIS IS BLANK
    CREDITOR CLASSIFICATION: THIS IS BLANK
    CHARGE OFF AMOUNT: $0
    BALLOON PAYMENT AMOUNT:$0
    DATE CLOSED: THIS IS BLANK
    DATE OF FIRST DELINQUENCY: 11/2003
    DATE OF LAST ACTIVITY: N/A
    CURRENT STATUS: THIS IS BLANK
    HIGH CREDIT: 1,290
    TERMS FREQUENCY: THIS IS BLANK
    MONTHS REVIEWED:15
    ACTIVITY DISCRIPTION: N/A

    COMMENTS: MEDICAL COLLECTION ACCOUNT

    THIS SECOUND ONE STARTS WITH THE SAME ACCOUNT # EVERYTHING ELLS IS THE SAME AS THE 1ST ONE BUT DIFFRENT $AMOUNT!!!
    #2

    OC MRMC
    ACC# ******
    ACC OWNER: Individual Account
    TYPE OF ACC: Open
    TERM DURATION: THIS IS BLANK
    DATE OPENED: N/A
    DATE REPORTED 7/2008
    DATE OF LAST PAYMENT: THIS IS BLANK
    DATE MAJOR DELINQENCY FIRST REPORTED: THIS IS BLANK
    CREDITOR CLASSIFICATION: THIS IS BLANK
    CHARGE OFF AMOUNT: $0
    BALLOON PAYMENT AMOUNT:$0
    DATE CLOSED: THIS IS BLANK
    DATE OF FIRST DELINQUENCY: 11/2003
    DATE OF LAST ACTIVITY: N/A
    CURRENT STATUS: THIS IS BLANK
    HIGH CREDIT: 160
    TERMS FREQUENCY: THIS IS BLANK
    MONTHS REVIEWED:15
    ACTIVITY DISCRIPTION: N/A
    COMMENTS: MEDICAL COLLECTION ACCOUNT

    #3

    OC MRMC
    ACC# ******
    ACC OWNER: Individual Account
    TYPE OF ACC: Open
    TERM DURATION: THIS IS BLANK
    DATE OPENED: N/A
    DATE REPORTED 7/2008
    DATE OF LAST PAYMENT: THIS IS BLANK
    DATE MAJOR DELINQENCY FIRST REPORTED: THIS IS BLANK
    CREDITOR CLASSIFICATION: THIS IS BLANK
    CHARGE OFF AMOUNT: $0
    BALLOON PAYMENT AMOUNT:$0
    DATE CLOSED: THIS IS BLANK
    DATE OF FIRST DELINQUENCY: 8/2003
    DATE OF LAST ACTIVITY: N/A
    CURRENT STATUS: THIS IS BLANK
    HIGH CREDIT: 209
    TERMS FREQUENCY: THIS IS BLANK
    MONTHS REVIEWED:15
    ACTIVITY DISCRIPTION: N/A


    COMMENTS: MEDICAL COLLECTION ACCOUNT

    #4 tHIS ONE ALSO HASE THE SAME ACCOUNT # AS NUMBER 3

    OC MRMC
    ACC# ******
    ACC OWNER: Individual Account
    TYPE OF ACC: Open
    TERM DURATION: THIS IS BLANK
    DATE OPENED: N/A
    DATE REPORTED 7/2008
    DATE OF LAST PAYMENT: THIS IS BLANK
    DATE MAJOR DELINQENCY FIRST REPORTED: THIS IS BLANK
    CREDITOR CLASSIFICATION: THIS IS BLANK
    CHARGE OFF AMOUNT: $0
    BALLOON PAYMENT AMOUNT:$0
    DATE CLOSED: THIS IS BLANK
    DATE OF FIRST DELINQUENCY: 8/2003
    DATE OF LAST ACTIVITY: N/A
    CURRENT STATUS: THIS IS BLANK
    HIGH CREDIT:140
    TERMS FREQUENCY: THIS IS BLANK
    MONTHS REVIEWED:15
    ACTIVITY DISCRIPTION: N/A
    COMMENTS: MEDICAL COLLECTION ACCOUNT

    NOW THE SAME ONES ARE ALSO ON MY TRANSUNION REPORT BUT THEY SAY SOMETHING COMPLETLY DIFFRENT!
    THEY SAY CONDTION IS COLLECTION/CHARGEOFF

    I WAS ALSO WOUNDERING ABOUT ONE MORE

    CA: AFNI
    ACC# ******
    ACC OWNER: Individual Account
    TYPE OF ACC: Open
    TERM DURATION: THIS IS BLANK
    DATE OPENED: N/A
    DATE REPORTED 2/2008
    DATE OF LAST PAYMENT: THIS IS BLANK
    DATE MAJOR DELINQENCY FIRST REPORTED: 2/2008
    CREDITOR CLASSIFICATION: UTILITIES
    CHARGE OFF AMOUNT: $0
    BALLOON PAYMENT AMOUNT:$0
    DATE CLOSED: THIS IS BLANK
    DATE OF FIRST DELINQUENCY: 12/2005
    DATE OF LAST ACTIVITY: N/A
    CURRENT STATUS: THIS IS BLANK
    HIGH CREDIT:295
    TERMS FREQUENCY: THIS IS BLANK
    MONTHS REVIEWED:N/A
    ACTIVITY DISCRIPTION: N/A
    TYPE OF LOAN: FACTORING COMPANY ACCOUNT(DEBT PURCHASER)
    COMMENTS:COLLECTION ACCOUNT

    I DONT KNOW WHAT I SHOULD IN THE LETTER TO THE OC FOR THE MEDICAL;
    THE LAST ONE DON'T LOOK RIGHT TO ME EITHER!!!! THERE IS MORE!
     
  2. woofer

    woofer Well-Known Member

    First Stop YELLING ; )

    Let's take these things one step at a time. If these tradelines are all for the same account they need to be disputed with the CRA's.
    Have you done this yet? If not do so. I am pretty pretty sure they will be deleted.
    Woofer
     
  3. lexy20

    lexy20 Member

    sorry I didn't know I was yelling. No they are not from the same account.2 of them have the same start acc #. What do u see that is wrong on them?

    Thanks for helping
     
  4. lexy20

    lexy20 Member

    anyone out there?
     
  5. woofer

    woofer Well-Known Member

    Did you send off a validation request? Did you dispute any?


    Woofer
     
  6. lexy20

    lexy20 Member

    No not yet, I would like to know what it is I am disputing. That is why I asked what violations are going on here! I posted a letter that I was going to send,and asked if it was ok,but I havnt got a good answer yet! Could u tell me what all is wrong with the reports? Thanks again
     
  7. lexy20

    lexy20 Member

    anybody have any clue
     
  8. jjgross

    jjgross Well-Known Member

    Your disputing the information as incomplete.start with that and go from there when you get the info back.But you have to start.has any of these gone to any ca;s? you need to find out.
     

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