Well, Back in August of this year I was a credit repair dummy! I didn't know a TL from a TU. But things are different now. Here's my story: Mitch files a Ch 7 back in 12/99 with his wife at his side, filing her accounts as well. 4/00 we have our discharge. Almost 3 years pass until Mitch and Mrs. want to by another house and pulls both reports from EXP. I notice that the misses has 6 different dates for her discharge spread over 11 accounts. I dispute all 11 with EXP. They verify all 11. I was a dummy at the time, as I have stated before and actually sent my BK 7 papers to EXP...what an a-hole! I know! Well, EXP verifies and dates all the Statuses as 12/99 which is my filing date. So today I'm checking the last 3 reports from EXP and it hits me in the head! They dated all the statuses at 12/99 and back date the histories: 180 days 12/99 150 days 11/99 120 days 10/99 and so on. Those bastards never investigated 1 of the 11. I have the dates of status correct from TU and EQ. I draft the greatest (professional) letter to EXP stating that I have uncovered their scheme, citing FCRA this and that. All accurate as a speeding bullet. They didn't screw me the way they did my wife, but what they did was to date all my status at 12/99 but left the accurate histories right there in the TL. so I nail them with FCRA: § 605. Requirements relating to information contained in consumer reports [15 U.S.C. § 1681c] (c) Running of reporting period. (1) In general. The 7-year period referred to in paragraphs (4) and (6)(2) of subsection (a) shall begin, with respect to any delinquent account that is placed for collection (internally or by referral to a third party, whichever is earlier), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. and other tidbits solidifying my case. I just can't get over their stupidity and gumption! Both letters with proof go out in tommorows mail. I should just sue them for 10K a pop for violations to me and the misses, but I'll settle for deletions. Mitch
