Hello everyone, Back in 1993 I had a voluntarily given my car back to the company that owned it. That company was SST/UAC. I was receiving calls from that company in regards to the balance owed but the balance owed was not correct. What they claimed I owed was greater than the amount when I had given the car back. It was about a thousand or more higher. When I asked them for info concerning the sale of the car because it had supposedly been auctioned, they could not give me any info but to only say that was the amount after the sale. I told them to prove it. So on my report they have reported it repo. But this gets better. I got a letter from a state nearby informing me that my car was found in an alley and had been reported stolen. But I was told that the car was sold from the SST. Huh! How could a car get back to me if the proper channels were taken like title and new owner info. And besides that, what if the car had been used in a crime. That information would have led them to me. I asked that this be removed from my credit report. TU has done so. The other two say that this belong to me. I asked how did they receive this information SINCE.... I cannot contact them, the state of Connecticut can't find them, and the information that they report is false. They replied to me that the computer informed them of this info. What computer I asked. She did not say. I found out it was e-Oscar. So I ask what can I do to have this removed. Thanks
If you gave the car back in 1993, anything on your report is obsolete, and your should sue the furnisher if they don't remove it after disputing with the CRAs as obsolete.
Its funny you should ask. At my jobs credit union I was just bringing up the fact that I had this erroneous report on my credit report. So I asked them how do they get their information and they told me e-Oscar. So I remembered that the woman that I spoke to from ex told me that the computer verified the report as being mine. It was unusual to me because I assumed the cra was to send off for that info not go to a computer.
Yes, what is the value of going to a data base that probably has old and outdated information? It still takes human input to the first data base to either establish a new record or update the old. If humans fail to update what the computer has in a timely manner then all the computer can do is maintain the information it already has. The failing economy will make the problem that much worse as companies downsize their labor forces to save money or go belly up. If the company that generated the information goes out of business and the company needing fresh information don't know that they no longer exist then it will remain in the data base forever. The only way to validate that the information is correct and up to date is to make the phone call and at least talk to a human being or determine that the supplier of the information is still in business.
