I'm on the phone with them as we speak, I had an account deleted under my married name in Oct., the company re-reported in 2/02, under my maiden name, which made a new file for me, so now I have 2 files. Well Tu rep just said, it's NOT a reinsertion, it's a re-report under a different name. I said I'm the same person, so it's not a 're-report' you have reinserted it. He said "the FCRA, doesn't clarify so if you feel the need to sue go ahead, but we'll win." Absolutely AMAZING!!!
I am so furious, I just pulled eloan and it says 23x's 90 days late in the last 2 years, how is this even possible?!?!?! I was denied for Citibank and BOA, for recent delinquency, I haven't had one since 98, and I got approved in December for Citi with a report the looks BETTER now, than it did then. So I've got me some damages and some violations, I'm gonna file tomorrow seeing as our small claims court is back up by about 8 months.
That should say my December report was WORSE in December than it is now (by about 140 points) Can someone send me some TU legal info? I have looked for a registered agent in NH but I cant find one. My state requires I serve someone in state. Are they hard to deal with? What are the odds of getting that neg from 1998 deleted too?
Your nightmare sounds just like mine except mine reappeared under my maiden name. SO they can't pull that re-report stuff on me. But they did. I have written my second letter to them about this. The second of course firmer than the first. If a third is necessary, it will be accompanied with service of a lawsuit.
How about this course of action...... You obviously have a good case for "willful noncompliance" Try to rack up as many egregious violations as possible in the next few weeks, threaten to sue them in circuit court and settle for deletion of ALL negative tradelines. What do you think? Dancer
I have them on many violations over the past 6 months but all but this one has been fixed, of course after MANY MANY emails, faxes, CRRR. They are all the same "types" of violations, but for different accounts, I could always use it to show a pattern...what do YOU think?
