OK... these jerks are really making me mad. I am disputing an account with them that really and truly is not mine. My ex-husband applied for this and signed my name in 1995. Well... I sent the validation letter and asked them to send me something bearing my signature, da, da, da. Their 30 days is up on the 27th. This fool from their office called me this morning and wanted to know what exactly did I want them to send me? I told them that I wanted something with my signature on it showing that I consented to this debt. He told me that they didn't have to send me a thing, that this is under my name and my SSN and that they are not required to send me any kind of proof. I just said, well, you have 9 more days, and I am sending the copies of the letter I sent and the copy of the CRR to the CRA's and they'd take care of it. He told me that that is fine, that they can delete it, but he would personally make sure that it goes right back on my credit report as soon as it is deleted. I just hung up on him. I just wanted to vent. I HATE THESE PEOPLE!!!
Asset Acceptance Corp pulled my credit report six months ago and they sent me a collection for old charge-off dept.store. That charge-off account has already came off from my credit report long time ago. Try to avoid bill collector and they're nasty. They're threaten you for pay them back the debt.You did the right thing to hang up the phone. Ron.
These responses always make me want to go to my computer, create a document with their name and information on it and send them a bill. When they call I would love to say "Look, it is in my computer and it has your name, you must owe it."
Let me ask this - when you send a letter to them disputing a debt, are they supposed to notify the CRA that the debt is being disputed - or have I just dreamed that up?
"ass"et acceptance does nothing by the book. They did notate my account, dispute resolution pending. I am waiting 30 days then I am going to send the Estoppel after that, if they still don't remove it. I am going to sue these people. They violate the law like it doesn't mean anything, they need someone to teach them a lesson. I am just waiting and documenting.
I think I will sue them to. I have never sued anybody in my life, but I really do hate them. They have made me nuts. Could I sue them for not notating that the account was being disputed on my credit reports? I would love to get some cash out of them.... I deserve it for putting up with the butt heads.
start a contact log. write down the date, time, person you talked with, and what was said. Wait the full 31 days (always leave 1 day extra) then send the estoppel letter. If it's not removed by then, I'd sue them. PULL your reports now. You've notified assett that the debt is in dispute. Help me out here guys, but I think they have to note your accounts with the bureaus as being in dispute. they won't. then you have them on a violation right there, I believe. But start noting everything for court . Your memory won't be as fresh as now. In your estoppel letter, I'd add at the top the threats this guy made to reinsert even without proof of a debt. DONT admit your husband signed for this by the way, just say you didn't do it. IF it is fraud, they may want you to file a fraud report against your ex, by the way. It is illegal. But in the interim, just go the validation route and see what pops up.
I just checked my Experian file online and I had disputed with them by mail. Well, these #@#$@#%!! verified the account and it remains. I don't know if it has been updated to show that I dispute it but it will still be on Equifax & Experian. I started an online dispute with Trans Union and I'll see what happens with that. These people are making me really, really mad. I am really going to balistic on this company. They really don't know whose they are messing with!! I know for a fact they not licensed within the my state. I am going to wait and send the Estoppel letter and then if they still don't delete I am contacting every state and federal that even remotely regulates these people. Be careful and document, this company is really full of s**t.
The ca must notify the cra that the account is being disputed. It is in the FCRA not the FDCPA. Here it is: § 623. Responsibilities of furnishers of information to consumer reporting agencies [15 U.S.C. § 1681s-2] (a) Duty of furnishers of information to provide accurate information. (1) Prohibition. (A) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. (B) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if (i) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and (ii) the information is, in fact, inaccurate. (C) No address requirement. A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph (B) shall not be subject to subparagraph (A); however, nothing in subparagraph (B) shall require a person to specify such an address. (2) Duty to correct and update information. A person who (A) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the person's transactions or experiences with any consumer; and (B) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. (3) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
betacredit, I dispute Asset Acceptance Corp inquiry in my Experian 3 times and it came back verified. I tried fourth time and the Experian websites submitted the documents to proof the inquiry isn't valid. I just leave alone since they didn't report me any negative in my credit report. It was old charge-off dept store account. Ron.
It is a negative on my account. It is showing as a collection account on some of my reports. On others, it is notated "disute - resolution pending". I know they don't plan to resolve this otherwise they would vaildate or delete. And they haven't done either. I have not received any correspondence from these people since I sent them the first validation letter. The fact is I want it off my report! If a business isn't licensed they can do whatever they want, the state has no way of knowing that they are even there unless someone files a complaint. If they are licensed then they do have to at least pretend like they follow the law.
