Separate names with a comma.
Discussion in 'Credit Talk' started by challenger, Oct 4, 2010.
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Have you disputed these items with the CRAs?
Yes. In the past two years, every one of them, and they were removed from my CRA report. That is why I was so shocked to see them up again.
What a pain in the butt!
Clearly the hospital has not fixed whatever it is that's causing the debt to be reported to the CRAs in your name. You could certainly file a lawsuit against both the creditor and the bureaus if you're up for it. Each violation you catch them on could be $1,000 fine - money in your pocket.
Oh yes, a definite pain. And if the lawsuits would put an end to it once and for all, I am definitely up to it. But don't have a clue where to start. Do I obtain an attorney? Would it be a consumer law attorney? Again would appreciate you pointing the way.
There are others here who have taken this path with success, so hopefully they will chime in and give you some good advice.
But personally, if I were taking the lawsuit route, I would want to find a good consumer law attorney to at least walk through the entire process first.
Great idea. I think I will go the route of gertting an attorney; at least at the beginning. But I would definitely like to hear from some of those that have gone at it alone.
The hospital has not fixed whatever it is that's causing the debt to be reported to the CRAs in your name. You could certainly file a lawsuit against both the creditor and the bureaus if you're up for it.
Your problem may not be with the Hospital. Some bureaus use a system called "Hawks Eye". This system is designed to detect similar names and associate information which sometimes results in mixed files. The best thing for you to do is to contact the Bureaus and ask for the Special Consumer Disputes Department or whatever name they have for that particular bureau which handles mixed files. Make sure you speak with members of managment. After you have a point of contact, send a letter via Certified Mail detailing what has happened with your file and how long this has been going on. Let the bureau know that they will be held liable for the mix-up should it happen again. Then hold them to it, you need to get familiar with the Federal Trade Commission and utilizing various complaint systems.