Greg, I live in Franklin, Ohio which is about 20 miles from Dayton. CBC Credit Services service Dayton and I would assume Columbus. However, I have to send my information to CSC Credit Services in Texas because CBC Credit Services as of 07/29/02, doesn't handle my area. I disputed with CBC Credit Services because they are the CRA that supplied me with the Credit Report that I am using as the source of information for my dispute. Apparantly, one can no longer dispute with just any CRA. One my use the assigned affiliate for one's area. Also, I did try to contact Equifax who told me I needed to discuss my situation with the affiliate in my area, which is now CSC Credit Services in Texas. Sirrowan P.S. Sorry to be so touchy. I had just got off work from my second job and was quite testy. I didn't mean to take it out on you. I apologize!
Isn't Experian required to deal with the affiliate since it is Experian who publishes your credit report? I ask because I deal with an affiliate as well and both are out of state. Sending disputes to Experian could add a day or two in your favor.
Hermit5, she was talking about Equifax... Greg, how did she not answer your question? Though she has now further clarified, it was clear in her previous reply as well.
GREG: "From whom did you obtain the credit report you're using as a reference?" The answer to that didn't exist until today. It is important-- if not crucial-- to a person hell-bent on "going after" a CRA if they want to make a case because the formats and information of reports from different sources differ. For instance, look at http://creditaccuracy.com/0002TUletter20020722.htm . I might be able to determine what's on the reports after a few questions and answers, but I'm not clairvoyant. The address for disputes on the report I received was CBC, too. But I requested my file from Equifax, and it looks a lot different than what I can get from other sources, including, live and in person, from CBC itself. If CSC assumed the responsibilities mid-stream of her dispute, then they are accountable. However, if CBC didn't tell CSC about the dispute, then they are accountable. But, so what? Big deal. Whoop-dee-do. What are the damages? And, if she did not receive any notification that CSC was the new CRA by either CRA, then that could be presented in court as general CRA monkeyshines. Start with the basics, folks. You're not going to any courthouse until you've fulfilled your basic responsibilty as a consumer. Make the dispute, wait 30 days, get damaged, then go to court. Even if you count the 7/19 dispute as the start date, she's still jumping the gun. What documents came with the report from CBC? Just list the titles. I count five. Right? And one more thing: You're never going to nail anybody with your word that you made certain phone calls as your evidence. Don't you watch Judge Judy?
Greg, I realize that if I do not have it in writing, it doesn't exist, but if it comes down to it, I would supeona(sp) the two women that I talked to from CBC Credit Services as well as their phone records concerning my account. I do know that they keep them. I'm not trying to jump the gun, just trying to be prepared to take action when they fail to investigate, which they are going to fail because to my knowledge, they haven't even began yet. I have been pulling my credit report constantly (am now locked out for the day). They have suppressed information on my credit report instead on putting it in dispute (different dispute), and are using this negative tradeline to calculate my FICO Score. I thought they weren't supposed to do this. It's almost like they want to discourage a person or maybe penalize a person for requesting that they do their jobs properly! I want my credit report corrected!!!!!!!!!!!! And if I can't get that, then I want compensated for my damages. I have been turned down for two auto loans, my homeowners insurance has been raised by approximately 33%, AT&T wants a deposit to set up my phone service. Cincinnati Gas & Electric wants a security deposit for my utility service. The guy at Score Chrysler Dodge said that he could get me a loan with $5k down and 12.99% rate (I told him to @&%# off). Not to mention that now my score is lowered due to inquiries for attempting to get a car loan and basic utilities set up in my name. Like I said, I want to be prepared, because when it happens I want to go as far as I can with this. Equifax is causing me mental stressssssssssssssss and monetary damages due to their inability to perform their jobs that they get paid to do and are required under law to perform. I have phone logs with names and dates. I am printing off credit reports on a daily basis. Sirrowan
"Someone, please help!! I need advice!!" No, you want this: "I want my credit report corrected!!!!!!!!!!!! And if I can't get that, then I want compensated for my damages." You're too caught up in your frustration to even give me a straight answer to someone who is trying to give you advice. Again, I asked you another question and you didn't answer: "What documents came with the report from CBC? Just list the titles. I count five. Right?" The only thing I can do now is ask to see the documents for myself. Your case may be of interest to the readers, and with your consent, I'll publish them, or write an account of your story. When do we meet?
Unfortunately I just spoke to CBCS in Columbus who's handling a dispute 4 me. They are alive and well according to one of their CSR's. I live in Columbus
I'm dealing with these jackasses too, same situation. I fully understand her frustration. Maybe Sirrowan and I should get together and make it a mini class action case. LOL
Sorry Greg, I was only looking at the first question, which I think she did answer. I happen to agree with you about her letting the frustration take over. No one is going to get any lasting relief by just getting frustrated and flying off the handle. To take it all the way to court requires methodical compliance to every step of the consumer remedy process. The CRA's can be counted on to do their part in screwing up, no sense in us screwing up too...
No, the brick wall in front of me on which I cut and arranged some Post-It notes. It looks like a face, and I named it Wilson. No big deal-- it's just another irrelevant and inconsequential unanswered question (those sentences with "?" at the end). Going once. Going twice. Going three times...
Boy oh boy... one must grow thick skin dealing with you.(no ?) I am completely knew to forums. I thought that you were possibly talking to the jambe person who was remarking on the situation as well. I would certainly like to talk to you. I'm sure with your experience you could be of great help. And from reading some of your information, you are passionate about people's rights and the violations of those rights. Say when. Sirrowan
I would like to say thank you to all of the people who have replied and offered their expertise to help me in this situation. Thanks, Sirrowan
I'm sorry; there is a misunderstanding, again. I didn't say anything about "talk;" I said "documents." I'm not ging to waste my time, so our agreement to meet must include "I'll give you the documents," or there is no agreement. Do you agree (question mark-->)?
Greg, First of all, we didn't have an agreement! Secondly, when you say documents, are you implying my credit report, along with the letter of dispute w/signed green paper, possibly my telephone log with names, dates and times called? The letter from AT&T re: the security deposit, the bill from Cinergy re: security deposit. The letters of rejection from 2 sources for an auto loan? The documents. You've never specified which documents you were talking about. I am not asking you to waste your time. You are the one who said to meet. You were vague as to what that would entail. Please do not talk to me as if I am an idiot. I assure you I'm not. I assume you are on this forum to help people and to promote your own sites, not to verbally abuse us newbies. If you would like to help me that would be great: If you treat me with respect. If you do not want to help me that would be fine. I will do this myself or seek help elsewhere. I've never taken shit from anyone before and I'll be damned if I'm going to start now. You're intimidation tactics should be used on the CRA's and CA's and OC's, not the consumers. Sirrowan
That's a lot of nonsense about your documents I'm supposed to know about before the fact, and about intimidation tactics-- like the reporter who asks, "Senator, how long have you cheated on your wife?" I'm not here to promote my sites (I don't need it), nor am I here to help anyone but myself change credit reporting agency jack-assedness. The only reason I post the sites' addresses and my name is so anonymous ninnies can't say I'm afraid to do so. You don't have to make assumptions about my motivations; I'm happy to respond to your questions about them. You haven't done anything to earn my respect, nor anything to deserve derision. Again, I couldn't care less what we think of each other. I'm here to get information. We won't be meeting.
Nonsense? You are the one who said that you counted five. I finally assumed (yeah yeah, never assume anything) that you were talking about documents. You're right that we will not be meeting. I didn't expect to. I tried to be nice. Didn't work. I tried to tell you how your words were interpreted by me. Didn't work. We do not communicate well and wouldn't accomplish anything. A pity. I do not need to make assumptions about your motivations, and as a result, I will not be asking you questions regarding them. Result: you don't have to be happy! I wouldn't expect you to answer anyway. As for earning your respect, I do not need it. As for derision, you're correct in the fact that I do not deserve that as well. I wish you luck in your endeavors to change "credit reporting agency jack-assedness." I sincerely hope that you succeed. Good luck (I'm sure you would tell me you don't need this either.) Yours truly, Sirrowan P.S. Couldn't resist. Regarding your motivations: Are you saying that you would want my information to help your personal plight in changing "credit reporting jack-assedness" and then leave me in the cold without helping me? Hmmm. No need to answer that. I figured that out myself.
