I AM NOT USUALLY THIS HELPLESS AND I PROMISE I'LL MAKE IT UP TO EACH ONE OF YOU! I AM JUST PLAIN "SPENT" RIGHT NOW. I HAVE 4 COMPANIES THAT ARE STILL BLATANTLY REPORTING OLD ACCOUNTS. IF YOU KNOW "OFF HAND" AND COULD TAKE JUST A MOMENT, PLEASE MATCH ANY AND ALL VIOLATIONS YOU CAN NAME AND SITE WITH THESE ACTIONS TAKEN. . . THANK YOU, THANK YOU, THANK YOU!! *OC VERIFYING INCORRECT DATA ON ACCOUNT THAT THEY ARE REPORTING. *OC REFUSING TO SHOW PROOF THAT THEY ARE REPORTING COMPLETE AND ACCURATE INFORMATION. * OC DISREGARDING VALIDATION REQUEST ON ACCOUNT * OC UPDATING OLD ACCOUNTS * OC REINSERTING OLD ACCOUNTS *CA PULLING HARD INQUIRIES ON AN ACOUNT THAT IS PAST SOL. * CA VERIFYING ACCOUNT INFORMATION WITH CRA WHILE UNABLE TO VALIDATE UPON CONSUMER'S REQUEST * CA AND OC NEVER PUT NOTICE OF DISPUTE ON MY CR. * CA SENDING COLLECTION LETTER ON AN ACCOUNT THAT IS PAST SOL AND DID NOT CONTAIN "MINI MIRANDA" *CA BLATANTLY DISREGARDING MY DISPUTE NOTICES.
Keller, I know that you are frustrated, but TYPING IN ALL CAPS is kinda taboo....unless you're GEORGE. ha ha. Just FYI. Good luck!! Charlie
Keller, What stage are you in? Are/Have you sent them a demand or intent to sue letter? I am in the "wanting to sue stage" myself. The CA would respond with a 3x5 generic bill within a day or two. I sent a second estoppel, since then I haven't heard from them. I stressed that THEY "find competent counsel". They have about 10 more days.
SEE CHARLIE,. . . I AM SO "SPENT" THAT I AM TOO TIRED TO EVEN HIT THE SHIFT KEY. I'LL TRY AND GET A GOOD NIGHTS REST AND GO AT IT AGAIN IN THE MORNING. I HAVE ALL OF THE INFORMATION HERE THAT I NEED, I AM JUST BEING "NEEDY" RIGHT NOW AND WANT SOMEONE ELSE TO TAKE CARE OF ME. YOU'RE RIGHT. . .I'M A BIT FRUSTRATED AND EXHAUSTED. I'LL WAKE UP RESFRESHED AND DO A "KILLER" COMPLAINT TOMORROW. WATCH OUT FCRA VIOLATORS. . .KELLER IS ON THE PROWL. :O) KELLER ***YOU KNOW, I ONLY HAVE FOUR TO DO. I WONDER IF I CAN FILE IN SEPERATE JUSTICE COURTS? CAN YOU IMAGINE WHAT THE JUDGE WILL THINK OF ME FILING FOUR SEPERATE COMPLAINTS AGAINST FOUR SEPERATE CORPORATIONS IN ONE MONTH?!! I'M EMBARRASSED JUST THINKING ABOUT IT! I WONDER WHAT WOLVERINE THINKS ABOUT THIS? WOLVERINE, DO YOU THINK THAT I COULD GET ALL OF THEM PLACED ON THE DOCKET, ONE RIGHT AFTER ANOTHER? WOULDN'T THAT BE GREAT IF I COULD GET THEM SCHEDULED TOGETHER SO THAT I COULD JUST SPEND "ONE" DAY. OKAY, I'M GETTING "SLEEPY DRUNK" AGAIN. LOL I'M ABOUT TO GO NIGHT-NIGHT. PERHAPS THE "CREDIT FAIRY" WILL COME AND HAVE ALL OF THE ANSWERS FOR ME WHEN I WAKE UP IN THE MORNING. -YAWN- :O) KELLER
Charlie, (notice I am using the shift key for you) I have been working on my credit since August. It has just been since January that I have been "double timing" it. I made some notes that might help you concerning the "steps" to take so that if you ever HAVE to file a complaint, you'll have your ducks in a row. ***ALWAYS SEND CORRESPONDANCE CERTIFIED Since I am impatient and "crunched" for time, (we are going to apply for a mortgage in acouple of months), I try and always fax before I mail certified. Then, I fax the transmission fax journal to PROVE that the fax was received by their company. Just undertsand that this is "my" way. Not neccessarily to best way.... Dispute account through CRA and with CA or OC. Check back with CRA a couple of weeks after mailing to see if OC or CA reproted a dispute notation on your credit reports. If not, violation After 30 days, I send a 72-hours (3-days) to cure letter. Again fax, then mail. Meanwhile I research the company via the internet, thier local BBB, the State Attorney General's Office. I speak with their State's Attorney General's Office. After the 3 days, I fax (and then mail) the estoppal letter. I'll wait 7 - 10 business days and when I don't hear from them, I will then send the "Intent to Sue" letter. While you are waiting on the mail, go by and pick up your listt of contracts . File the Intent to Sue" letter after the 3 days has expired 72 hours later. . . . . . FILE!!!!
Keller, I'm impressed at your paper trail. I really wasn't trying to be condesending about the CAPS......just trying to help. I apologize if you took it that way. What part of Texas are you from? Charlie
Charlie, no offense taken. ) Bayou City Area (Houston) I've got my second wind this morning and about to start on my complaints. Wish me luck. I'll post after I finish, for critiques.
