I sent a validation letter to RMA (in April) in which they sent me a print out....I in return sent them another letter stating they didnt prove it was mine and therfore to cease all communications with me and to remove it from my crdit report and that if they didnt remove it appropriate action would be taken...... that was on 4 or the 5 acounts with them......all these accounts happened back in 95-98 i did a dispute with Equifax (in June) regarding these 5 accounts that RMA is listing.. Anyway It came back as verified that these items belong to me........ Equifax was able to verify..but they couldnt verify it to me..What do I do now????? the last account was one i have been fighting with RMA on a 10 yr old Radio Shack Credit Card account...... I sent them a dispute letter and basically letting them know they can not legally collect....But again Equifax was able to verify this and said the SOL is correct.. Every credit report i have has different dates on them as far as DLA etc.. but the account numbers and names are the same......... and the collection on this account continues ...This account went to collection in 94 was charged off in 8 of 1994 in Nevada ( i am in Missouri now) and they continue to hound me....The CRA's havent marked it as disputed where do i go from here?? these 5 accounts are hurting my chances of buying my home.... Any help would be appreciated.....
If this acct was charged off in 8/94 it should have been deleted from your reports last year. Do your reports show the charged off date as 8/94? If not, do you have any proof of the date?
Yes i have a few reports saying it was charged off..BUT........... one says (12-2001) charged off in 8/94 one says (6-2001) charged off in 9/1998 and i just got my updated report (june 2002) stating it was never charged off it just says unpaid collection.......So i am confused
For starters, the one that says charged off 8/94, you need to call tomorrow and tell them the 7 years for reporting this was up a year ago and you want it deleted now. If they give you any b.s. about it, hang up, and write them an intent to sue letter for violating the FCRA. I hope the 3 reports you mentioned were not all from the same cra? If so, that would change things. For the collector, did you follow up with the estoppel? If not, send out the estoppel (in the letter section) demanding they cease collection since they cannot validate it, or they would have already. Advise them that they have misreported the dola which is a violation of the FCRA, and they also are in violation of the FDCPA for continued collection activity after receiving the validation. And, for failure to mark the acct as in dispute. Give them 30 days. You may offer them to not file a lawsuit as long as the item is removed from the cra's and you get a letter confirming same and that the file on this acct has been closed.
They were listed on all 3 CRA's but 2 of them TU and Experian Have deleted them..... Equifax wont....they keep verifying it.... HOW i dont know .........Its kinda like RMA is reaging it or something......I would love to nail them in the "you know what" It seems all the other CRA's got the picture but not Equifax...... I have called them and all i have resulted in is......they would send me the name of whom they spoke with...... this is the 2nd time i have tried to remove this from equifax...the first time being the beginning of this year....... and i got the same results..... I am getting frustrated.... The only thing i have sent them (CA) is a dispute letter.stating that filing any action against me has been time-barred.....I havent heard anything back from them but sure enuff Equifax was able to to verify it....... Like i said it looks really bad on my report... and when i see all different dates on each report makes me wonder who or what i am really dealing with.....
RMA is Equifax's collection agency. I had an issue with them where I disputed an RMA account, along with several others, they investigated all of them except the RMA account. I sent a strong but blunt letter to them, mentioning that I am aware of the affiliation of RMA and Equifax, and hope that their silence doesn't reflect their affiliation. They deleted it. I would throw their affiliation up in their face.
If it is past the SOL, then send them a cease and desist. Then send the cra a copy of your old report showing the dola as 1994 and explain how they reaged it and you want it off of your reports yesterday.
Oh, awesome, Love! Sorry to hijack this thread, but I suppose that would work for SARMA/TU? SARMA was once TU.
I currently live in Missouri......the Debt went in default in Nevada... The CA is in South Dakota I think there are so many RMA's I just dealt with the one in Wyoming and got them off my back over a repo that was Way past the SOL and now this.....
Have you checked the state laws regarding debt collections for both of the states? Well, SD no luck but you might look at this..I haven't read it but it might be helpful: http://www.moga.state.mo.us/STATUTES/C425.HTM
Yeah i have...... Nevada open end account SOL is 4 years and Missouris is 5 years.... But Equifax and RMA dont seem to see that same picture...... I just dont know what to do they continue to report it and i am not sure if i have any violations on them or not... its getting old quick
