Tu Victory!!!!!!

I DID IT!!!!!!!!!!!

I got 4 Collection accounts off my TU using variations of pbm letters. IT WORKED!!!!!!!!

I just got the report/reinvestigation results with not one, not two, not three, but FOUR collection accounts erased from two cars that I had repo'd!!!

I edited the letter to incorporate some provisions of state law that helped me on my case.

I owe it all to this board, the lots of hours of small print reading and the courage the board members give each other.

GOD BLESS YOU ALL!!!

Ed.

 

I am trying to find the replies from some time ago regarding the letters.
Here it is
http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=133809#post133809
I sent them snail mail CRRR. Funny, I never got the green card back in the mail, but they verified in form of letter stating that they would investigate and what procedure they intended to use, including the mail address of the point of contact in the bank where I had the repo. The letters were sent to the CRA since I have not been able to establish any form of communication with the original creditor. The state provisions relate to erronious info has to be deleted, no mention in state law about fixing errors, just deletion.

Hope this helps.

Ed.

 

Killer, the email I sent was a while ago. My email provider goes nuts every once in a while, but the email dealt with the letter I was to send to CRAs. As you can see, everything turned out ok.

The funny thing is that once I sent the letter, I avoided the board altogether since I am not the most patient person around. I just put the board and the letter I sent out of my mind and just decided to get into other things around the house and not wait. Lo and behold, the letter arrived today just 2 days after the 30 days were up. I was planning to go to TU's office here in PR and start getting on their case.

Guess I do not have to now!

Ed

 

Killer,

Follow the link at the message above, it will take you to the letter I used. I made no changes to it except I told them that I was willing and able to sue as part of my excersise of my rights under state law and FCRA.

Ed.

 

Thank you all, I could not have done it without the support and guidance everyone here has provided me in the last months. I may not have posted much, but I sure did learn a lot.

A couple of pointers that I have picked up along the way. Do use every state law to your advantage. If you live in one state, the CA is in another and the debt was first created in a third, READ ALL STATE LAWS. Some jurisdictions have provided their constituents more protection than what is afforded by the FCRA. Some states allow for regulatory agencies to set rules and administrative guidelines that have the same effect as laws, and CRAs have to abide by them. Read and ask questions here in the forum, the advise is worth more than money, it is worth the stuff dreams are made of.

If anyone needs help with state laws, I will try to help as much as I can. I do have a full time job and a wife and 2 kids. If there is any time left over, I can devote to reading sections of state laws. I promised someone that TEXAS will be first on my list. Let's see what happens.

ED

 

TEXAS

Here is what I found regarding Texas law:, Chaptre 20 under Regulation of Credit Reporting Agencies

§ 20.06. Dispute Procedure

(a) If the completeness or accuracy of information contained in a consumer's file is disputed by the consumer and the consumer notifies the consumer reporting agency of the dispute, the agency shall reinvestigate the disputed information free of charge and record the current status of the disputed information not later than the 30th business day after the date on which the agency receives the notice. The consumer reporting agency shall provide the consumer with the option of notifying the agency of a dispute concerning the consumer's file by speaking directly to a representative of the agency during normal business hours.

(b) Not later than the fifth business day after the date on which a consumer reporting agency receives notice of a dispute from a consumer in accordance with Subsection (a), the agency shall provide notice of the dispute to each person who provided any information related to the dispute.

(c) A consumer reporting agency may terminate a reinvestigation of information disputed by a
consumer under Subsection (a) if the agency reasonably determines that the dispute is frivolous or irrelevant. An agency that terminates a reinvestigation of disputed information under this subsection shall promptly notify the consumer of the termination and the reasons for the termination by mail, or if authorized by the consumer, by telephone. The presence of contradictory information in a consumer's file does not by itself constitute reasonable grounds for determining that the dispute is frivolous or irrelevant

(d) If disputed information is found to be inaccurate or cannot be verified after a reinvestigation under Subsection (a), the consumer reporting agency, unless otherwise directed by the consumer, shall promptly delete the information from the consumer's file, revise the consumer file, and provide the revised consumer report to the consumer and, on the request of the consumer, to each person who requested the consumer report within the preceding six months.

The consumer reporting agency may not report the inaccurate or
unverified information in subsequent reports.

(e) Information deleted under Subsection (d) may not be reinserted in the consumer's file unless the person who furnishes the information to the consumer reporting agency reinvestigates and states in writing or by electronic record to the agency that the information is complete and accurate.


From what I see, the rights under state law are very similar to what FCRA provides. When you use the state law, try and read everything. the link is as follows:

http://www.capitol.state.tx.us/statutes/bc/bc002000toc.html

Hope this helps.

Illinois is next on my list...

 

California and Georgia

I am now working on Illinois. As soon as I am done, I will get to your states. California I know is available online, but Georgia I an not so sure about, but that will not stop me from looking.

The Repo club lives on...