Does anyone have experiences they can provide me with in contacting the AG's office and filing a complaint about a creditor? I am prepared to do this next week but I am curious about what happens when you call and what information you have to be ready to present. I just don't want to call them and look or sound like a complete dummy. Any advice, help, suggestions, would be greatly appreciated. You guys are the only ones who I know to turn to. Claudia
The best advice is to provide as much information to the AG's office as you can. They will probably send you a form to fill out (unless you send a letter which contains all of the information in the form). The process usually works like this. AG's office looks over, and processes the complaint. Contacts the company in the complaint, (and will probably contact you letting you know that they have just contacted the company.) Then they typically suspend the file for 30 days while they wait on a response from the company (or a request from the company for more time to investigate the complaint.) The AG's office then looks over your complaint, and the company's response, and trys to make an objective determination on the complaint. Sometimes they will be able to mediate an issue between the company, and the consumer; IF they believe that there is hope in mediation -- if the company responds in a way to make them believe that is not possible, they will probably tell you so. Usually, this will be for paper trail building. Unless you can show a criminal violation on the part of the company, or that a large number of consumers are likewise affected by the issue of your complaint, the AG's office will not be able to take individual action against the company, and they will probably advise contacting a lawyer to begin independent civil procedings; if relevant. I forgot to add, that they do archive complaints, so even if you are the first to complain about this specific company, if they get more complaints, it is possible that they could take action later.
Thank you. I took a look at the Seattle AG office website and downloaded the complaint form. I realize it's a long shot. I don't even have specific violation #'s per the FCRA. I think I'll try small claims court after the complaint but I'm willing to pay a lawyer, problem is, I'm not sure if there are lawyers who handle credit violations. The creditor is not reporting my payments since I reaffirmed and lists the account improperly on my CR as BK and also as reaffirmed. I pulled my scores on myfico and the TL showing it is in BK is dragging my scores down with a negative rating. And it's also saying I am in default on the TL which reads "reaffirmed" because they are not reporting the payments I have made over the past year. So I can prove damages to my scores. I can't believe I am actually going to try to sue and here lies my biggest problem, for what specific violations and how much $$. I have tried for 4 months to get this resolved with them. I am going to do some serious searching on this board for how to go about suing and maybe finding a lawyer in the Seattle area (anyone??). I don't care what it costs. Thanks again
