I am not sure what is going on here, perhaps someone can shed some light on this. Had an OC and the CA showing up on Experian Equifax and TU for this one account. I disputed with all CRA's, both tradelines as not mine. Experian removed OC, but still is investigating the CA. Equifax deleted the CA, but has OC as verified. Then I got a call from CA. Told them was not my account and they said it was and would I like to settle for half right now. Told them again not my account and they said again it was. Then they asked if I was disputing the other negatives on my credit report as well. They then said it was obvious that I paid my bills on time as well from the credit report. Said it was not mine again. Then CA says they will send a signed contract proving that is mine. I said, no I want validation, which includes complete accounting history of this account. No problem says CA, we will send that. They offer one last time to settle for half, but if they have to send this documentation, the offer for half is invalid and only whole amount will be accepted. My credit report does not show any inquiries, be it AR, PRM or otherwise. I think they are playing a head game, but not sure. Should I just sit back and wait to receive this documentation now? Equifax deleted CA, but has OC as negative, Experian still investigating CA, should be done by the end of the month and deleted OC. TU lists OC as satisfactory, but still has CA listed. Can't access TU online to see what has happened there. Plus why can't all three CRA's report same amounts for amount owed and same info?
I am assuming you have already sent written request for validation. If not, do so to start the paper trail and include a "Cease & Desist" statement to prevent them from calling again. If you have sent written request for validation then I would wait till the 30 days is over, then send the Estoppel letter. this is just my opinion, good luck
The CRA's notify CA's when there is activity on you report. They are probably bluffing you or they would have been trying to collect before this. Bettr stop talking to them, now, and do everything in writing from this point on. They're tricky - trickier than you are, hehe.
The CA called when I was sleeping. They love to do the "call you by first name as in a friend tone, (like hey whatever what's up?) stuff to which you respond with not much, etc." Once I figured out what was going on, was too far into converstation. I realized I screwed up by talking to them, but was well after they secured my identiy. I usually do the not here, can I take a message and what does this concern so I can relay a message thing. Amazing how many CA's will tell you something they should not. I know I did not say anything to incrimidate myself, but wish that I had been more of wits to screw them up more than they did. Paper trail starting in AM mail. Should I mention the phone call in first letter or leave it alone?
Will do, and thanks for the suggestion. As for previous posts about waking a sleeping dog. I think this is true, you start disputing and you get calls and letters. Of course, I love the ones where SOL has expired, like 5 years prior. I have permanant recording set up on my phone and caller ID. Just another measure to obtain a trail against the CA's.
Breeze, I think they are bluffing as well. They say has been charged off since 1999 and sent me numerous letters....NOT! And looking up the CA, see they have numerous things against them and in BK themselves. What jerks!
WOW!! Is this a machine you purchased or a service provided by the phone company? Might have to look into this!
No just purchase recording device to record all calls made and recieved.....no matter phone extenstion used.
Had a similar conversation with NCO where the called and wanted to settle for half but no deletion. I pretty much said "I sent you a letter requesting validaiton but you did not send me any proof the account is mine but instead break the law and continue to call me to collect on this debt is that right??", He then said we don't break the law sir were calling to help you settle this debt you owe us. "That's fine but you still haven't validated the debt??" "We have everything to validate this account and will prove it to you but if we have to give you this information our half off deal is no good then." I said that's fine under the law you must validate and that is what I want, do you have the information to validate this account now?" "He replied....Yep! sure do!" "I said good, fax it all to me now! here is my fax...." "he then stuttered a bit not knowing what to say..." "I said hello are your there??" ....."Click...hung-up"..."I called them back and asked to speak to the person I was talking to. They said he was busy on the phone do you want his voicemail?? I said yes, I then said check your fax in 30 minutes as my paperwork for this lawsuit is coming to you! I received a letter just 3 days before my deadline to file for full deletion! DO NOT CALL THEIR BLUFF! Stay on them until you receive full validation! Good Luck! TAC
What gives a cra the right to notify a ca of any activity on my report? I think the FCRA needs to include a rule on this also.
I plan to stay on their butt now, just PO'd that I fell for the "friend tone" while alseep at first. Speaking of NCO, they called about month ago for a chargeoff from 10 years ago. The rep talking to me got PO'd at me for my questions, then stated it had been in collections since 1992, then paused, then hung up. Not received anything in the mail, nor inquires...so will leave that alone for now that is...I don;t have an address to write to for validation.
I agree....the CRA's at least on my report have conflicting information, but they feel a "right" to notify the CA that I have activity....personally they can all KMA! feeling froggy today..
If I recall correctly (not often, LOL), this was a part of the original privacy law. It got taken out before the law was passed. As usual, a law for consumers that has no teeth.
