Timeline... Dec 5 DSDA pulls a credit report- Dec 6 I pull a credit report. Fax a "Why did you pull my credit report?" Letter. Dec 7 DSDA mails a "we value your privacy, and will only talk with you if you mail us a detailed lettet, drivers license, and utility bill." No mini-maranda, even though they claimed a pp of collection. So, non-pp pull, failure to provide mini-maranda, and this is there compliance office... Waiting until Dec 17 to file the suit since that allows 5 business days for them to provide the mini-maranda, which they won't because their website brags that they actually are not a debt collector, but exclusively a skip-tracer.
Oh, this gets better and better... Getting my complaint written, and the best part of the research is that the president of the alleged company's side-line is really for the birds, when his alleged company isn't pigeonholing consumers, he's selling pigeons... Guess he took the advice of not putting your eggs in one basket a little too literally...
You can't make that up... BTW: Is it me, or is a skip-tracer that leaves noticeable footprints all over, a really, really, really bad skip-tracer... I always thought the idea of skip-tracing was to not be noticed. The complaints against this company over the past few months are really, really, really fun to read through.
Well, he does, but his ratings wouldn't nearly be good if he didn't... I mean, if all they showed was "Dog" sitting in the office running credit reports, employment checks, and making phone calls, would anyone watch?
Really got generous, and just printed the suit now... I am really liking the brief template that the local federal court has... A lot better than my 16-23 page cases that I had in 2007... 3 pages is nice. The full complaint includes the full text of the letters which were sent by both parties. Only putting their first initials to make sure that if they haven't figured out that I am talking about them, that they won't figure it out with this case snipplet. Anyone see anything that I should change? Should I add an unspecified damage amount for invasion of privacy, harassment, mental anguish, etc... Especially since I just saw a case where someone was awarded $8.1 million against a CA...
Well, the suit is hereby filed... They wanted my signature on the letter, but they'll have to settle for the one on the suit...
Well, it's a pretty easy case. I am already for their "we are not a debt collector", hmmmmm, that's not what your company says in a press release announcing your 20th anniversary in business; and the FTC has opinions that collection activity can be as simple as allowing solicitations for a mortgage to get stuffed into a debt collector's envelopes to consumers; as well as multiple, we'll give the consumer an inducement to call a toll-free number so that we can obtain their phone number when they call, disguised as either "free phone cards" or "telegram message" services.
