Creditnexperts...i Need You

CUT TO THE CHASE. . . (2 PARTS)

1) IF ANYONE HAS ANY OF THE FOLLOWING INFORMATION, PLEASE POST. I NEED THE CORRECT INFORMATION ON THE FOLLOWING COMPANIES AS WELL AS THEIR REGISTERED AGENT TO BE SERVED SO THAT I CAN FILE MY COMPLAINTS. (IN TEXAS)

RMA (RISK MANAGEMENT ALTERNATIVES, INC.

DISCOVER FINANCIAL SERVICES

CHEVRON

GREAT LAKES BUREAU (AKA: NACC)



2) ALL OF THE ABOVE ARE THE CLASSIC "NO VALIDATION, VERIFYING WITH CRA'S, NOT PLACING DISPUTE NOTATION ON CR, CONTINUED COLLECTION ACTIVITY WHILE NOT VALIDATING, ETC.


HERE'S WHAT I NEED:

A "MODEL" SMALL CLAIMS OR JUSTICE COMPLAINT TO USE FOR MY FILING. I HAVE READ OTHER "FORMAL" COMPLAINTS BUT I HAVE BEEN UNABLE TO FIND ANY SMALL CLAIMS OR JUSTICE COMPLAINT EXAMPLES. PLEASE HELP. I HAVE NO IDEA HOW TO WORD THIS AS AN INTELLIGENT CONSUMER. I DON'T WANT TO SOUND LIKE A "DORK" :O)


**NOT "ONE" OF THESE COMPANIES HAS THE RIGHT TO STILL BE TRYING TO COLLECT ON OR EVEN CONTINUE TO REPORT ON MY CREDIT REPORTS AS THE SOL HAS PAST AND THE ACCOUNTS ARE OLD ENOUGH TO COME OFF. THE COMPANIES HAVE RE-AGED THEM AND THEY AREN'T DUE TO COME OFF UNTIL 12-2002 ALL THE WAY TO 2004! WE ARE TRYING TO GET A MORTGAGE IN THE NEXT COUPLE OF MONTHS AND ALTHOUGH I COULD KEEP ALLOWING THESE COMPANIES TO HANG THEMSELVES, I DON'T HAVE THE TIME. PLEASE HELP ME OUT HERE!

AS WE SAY IT DOWN HERE IN THE SOUTH. . .
PRETTY PLEASE, WITH SUGAR ON TOP. :O)

KELLER

 

BTW. . . HERE'S A BULLETED VIOLATION LIST.

THERE ARE SEVERAL THINGS THAT THEY HAVE DONE THAT ACTUALLY "CROSS OVER" TO VARIOUS OTHER VIOLATIONS. IN A COURT OF LAW, WILL THESE HYPOTHETICAL ACTIONS BE CONSIDERED ONLY "ONE" VIOLATION OR IF THE ACTION VIOLATED SEVERAL, COULD I SUE THEM FOR ALL OF THEM? DO YOU KNOW WHAT I AM SAYING? I FEEL LIKE I NEED TO MAYBE CLARIFY A BIT MORE, BUT IF I DO, I'LL PROBABLY JUST ADD MORE CONFUSION. I AM NOT QUITE SURE HOW TO WORD THIS QUESTION. COUNSELORS, HELP ME OUT HERE.

VIOLATIONS:

* VERIFYING AND UPDATING AS ACCURATE, AN UNVALIDATED DEBT OR ACCOUNT (ON AT LEAST 2 OCCASIONS)

* CONTINUED COLLECTION ACTIVITY BY SENDING COLLECTION LETTERS ON A DISPUTED DEBT

* PULLING HARD INQUIRES (ON 2 SEPERATE OCCASIONS) WHEN THE SOL IS PAST AND WHILE A REQUEST FOR VALIDATION HASN'T BEEN HONORED.

* REPORTING AND/OR UPDATING AN ACCOUNT THAT IS PAST THE DATE THAT FCRA REQUIRES TO BE REPORTED.

* REINSERTING OUT OF DATE ACCOUNTS

* SENDING AN INITIAL CONTACT LETTER WITHOUT INCLUDING THE "MINI MIRANDA" AND TRYING TO GET BY WITH IT BY THEIR FORM LETTER STATING "THIS IS NOT THE FIRST CONTACT".

* NEVER INCLUDING A "DISPUTE NOTATION" ON CR WHILE ACCOUNT IS IN DISPUTE AND WHILE HOLDING A REQUEST TO VALIDATE ACCOUNT.

** THERE MAY BE MORE. . .

 

Re: HELLO-O-O-O

ANYONE THERE?

 

Re: THANK YOU!!

I HAVE WHYSPER'S COMPLAINT ON FILE. THANKS FOR RESPONDING. I WILL WORK ON THE COMPLAINT AND WILL POST IT FOR OPINIONS AND HELP IN "TWEEKING" IT.

IF ANYONE ELSE IN TEXAS NEEDS ANY OF THE FOLLOWING INFO, I ENDED UP CALLING THE SECRETARY OF STATE'S OFFICE AND GETTING IT.
THESE ARE THE CORRECT LEGAL NAMES AS WELL AS THE REGISTERED AGENTS AND THEIR ADDRESS FOR SERVICE.

DISCOVER FINANCIAL SERVICES, INC.
REGISTERED AGENT: CT CORPORATION SYSTEM, 350 NORTH ST. PAUL STREET, DALLAS, TX 75201

RISK MANAGEMENT ALTERNATIVES, INC.
REGISTERED AGENT: CT CORPORATION SYSTEM, 350 NORTH ST. PAUL STREET, DALLAS, TX 75201

GREAT LAKES COLLECTIONS, INC.
REGISTERED AGENT: PRENTICE HALL CORPORATION SYSTEM, 800 BRAZOS STREET, AUSTIN, TX 78701


BTW. . .IF A COMPANY IS REPORTING UNDER AN LLC AND A CORPORATION, WHICH ONE DO YOU SERVE?

 

Re: THANK YOU!!

I AM SORRY (AND TIRED) :O)

I DON'T KNOW THE "TECHNICAL" DEFINITION OF A "REGISTERED AGENT", BUT COMPANIES USE A SERVICE FOR REGISTERED AGENT FROM A COMPANY THAT OFFERS THIS. CT CORPORATION SYSTEM IS ONE OF THOSE TYPE OF COMPANIES AND THEY ARE "HUGE"! I WONDERED THE SAME THING WHEN I SPOKE WITH THE SECRETARY OF STATE'S OFFICE AND SHE TOLD THIS. I AM SORRY THAT I CAN'T GIVE YOU THE TRUE DETAILS OR DEFINITION.

KELLER