They send me two files one with the wrong date of birth & one with the right one. Then I called them & they really screwed my report up. Now I have wrong date of birth, two tl of the same one good & one with 12 time 120 day late. What section of the FCRA would a split file will fall in?
OK, Butch back in Oct, Eq sent me two files. File A which will call mine & file B for other. File A & B had same name different date of birth. File B had ever-thing I disputed deleted but had wrong birth date. So I called & they said OK will send U out a new report. I get the report back & they really screwed up still wrong date of birth, Tl that was close & in good standings now reads 12 time 120 late "impossible ". I don't think a ITS will work I want to go to sue & in the process can get my Bk deleted. So file A now has wrong DofB one tl line that was close in 96 read 12 time 120 dates late & other tl that was in good standing read 2, times 30, 2 times 60, 1 times 90. This was all good before file B came.
Voilation I have. § 611 (A) § 607 (b) 621 (2)(A) In the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than $2,500 per violation. Butch can u think of anything else?
YEOW !!! You have either a split file or a mis-merge problem. Have you tried calling their "special handling" dept.? I think this is one of those situations which require a long chat with them. :) Do you recognize all the TL's on BOTH reports, or is there a bunch of stuff on one report that doesn't appear to belong to you? .
They said they have fixed it but the lates are still there but I have not been late. I have called them & they said that is what is being reported. I have disputed this couple times. They will not up date or investigate anymore.
