UPDATE Deleted - EXP as of today! Still have EQ to deal with and no validation received (and none expected)
Re: UPDATE No validation received either but just checked my updated EQ and OSI/Palisades no longer listed on it. : ) Now waiting to see what happens with EXP You go NanaC !!
Strange... According to CSC, the company listed is now OSI Portfolio Services, even though my report from Privista says Palisades still. I got a number from CSC though: 800-425-0006. We'll see what happens...
Re: Strange... Jambe..when I got the full listing, it said OSI Portfolio Services-Palisades..thus keeping the tie!
Re: Strange... As far as I can tell, the Privista version is junk. Even if you get the printable version, it doesn't show dates foir late pays and gives no indication of what a potential creditor will be looking at. I certainly wouldn't pay money for this "service". On the subject of OSI/Palisades/Gulf State (what they answer the phone with!) - I have already been disconnected three times and am sitting on hold as I type this...
Re: Strange... Well, maybe I'm stupid, or just impatient...but if I can clear anything up by contacting them I would like to do so. It's obvious now that this will not be possible, considering they have disconnected me four times and one woman even hung up on me when I asked to speak with a manager! I can't imagine such a disorganized place being able to verify anything...
Re: Strange... Well, I can't say I've never gotten something taken care of by getting to the point I just called them and hung on until I got to the top. No, I just was looking for your reasoning and was very curious about the outcome. What you've experienced seems to fit the reports here, though, eh?
Re: Strange... OK, I give up...after being disconnected six times I'll have to just use the mail system...it's more reliable!
Re: Strange... All I really found out is that I am suposed to talk to extension 5600, as they are the only ones with access to my information. Since I never actually made it through to speak with anyone at that extension, I have no idea if even they have a record for me. I really suspect not...
Re: Strange... My validation will run out on the 17th of July. They have not changed my account to "disputed" and I've been checking it online everyday. I'm going for the jugular on these bozos. BTW--I think a class action would be a great idea.
Re: Strange... Well, a report today shows them now as "OSI PORTFOLIO SERVICES-PALISA" and then I'm assuming there wasn't enough space left in the field. I get the feeling Privista only pulls a new report once a week. I disputed this account on Friday and it should be showing as such... The really strange thing about this report is there are SIX more hard inquiries on it then the last one I pulled. WTF??? Any idea what's going on or how I should handle it?
Re: Strange... Hmmm, I'm looking at it closer and it looks as though the other six were listed as soft inquiries previously, with non of the softs now reported at all. It cost me about 20 points with their scoring setup, but I doubt it is anything like accurate )
Removed from Experian! Yay ) My Privista account is screwed up...showing a date from 2001 and the report is over a week old...not something I would ever consider paying for!
Re: Removed from Experian! Privista is 'fixed' now. Just got this week's report...well, the current report, which is really for last week. How the hell does my score drop when the only change was adding a dispute notice? I mean, I know these scores they show are bogus, but why would that cost 12 points??? Interesting...they also fixed a typo in my mailing address...
Everyone, can you update on this? Can everyone who was dealing with this update so we can see where we are? It showed up eventually on hubby's CR, all three. I disputed and sent validation to Palisade (the first name it appeared under). It was removed from TU and EX. It was at that time it popped up on EQ but it didn't get posted under collections but under open accounts? I disputed with CSC first of July by fax. Haven't heard anything. The validation I sent Palisade/OSI was never answered so on day 30, I sent 15 day letter....haven't heard back yet. Would like to see how everyone else is doing on getting this corrected.
Re: Everyone, can you update on thi I had it show up on my Equifax and Experian reports. Both as OSI/Portfolio AND as Palisades. I disputed with the CRA's AND sent validation request to OSI/Portfolio/Whoeverelsetheyare Never heard back from them. It has been deleted by the CRA's as of last week. Of course we'll have to see if they re-insert. Mommy2cats
Re: Everyone, can you update on thi It is still on my EQ and EX. I have not checked my TU in a while. They did not respond to the validation letter I had sent them. They did respond to Texas AG to answer to my complaint, with some BS about not being able to find my account because I did not send them my SSN. I am so pissed. I am getting ready to file a lawsuit against these jokers. Dan Dallas, TX
Re: Everyone, can you update on thi Here is my respose to their letter to the Texas AG, complaining about not being able to locate my account. It is long.............. 7/13/2002 Vanessa Thompson â??Compliance Paralegalâ? Palisade Collections, IN 2425 Commerce Ave, Suite 10 Duluth, GA 30096 CC: L. Denise Davis Office of Attorney General of State of Texas Dallas Regional Office 1600 Pacific Avenue, #1700 Dallas, Texas 75201-3513 RE: Consumer: Complaint of Dnyanesh Tembe Office of Attorney General of State of Texas Complaint File No: D112488 Dear Thompson, Thanks for your letter dated July 3rd 2002 in response to my complaint filed against your company with the Office of Attorney General of State of Texas. You quote in your letter: â??15 USC 1601 § 5.8.3 The Consumers notice must include sufficient information to enable the creditor to identify the cardholderâ??s name and account numberâ? You further quote that â??you are unable to find my record in your database of over 16 million active accounts and will require my complete account number or social security number to process my complaint.â? I have complied with the statute 15 USC 1601 § 5.8.3. This statute only requires me to provide sufficient information to enable the creditor to identify the cardholderâ??s name and account number. Nowhere does it require me to provide your company with my account number or my social security number. I have provided my name and address which is more than sufficient for you and your company to pull up any information on my account, if it ever existed. There is no Federal or State law which requires me to give your company, Palisades Collections Inc., which is pursuing collections activities illegally in State of Texas, my social security number. I fear there is a very high likely hood of your company misusing my social security number for any number of illegal activities. Currently, by your own admission your company cannot locate an account in your system when you are provided with a complete name and current address. I would hate to think what type of old computer system your company must be using, and what type of security you can provide if given consumers social security numbers. Furthermore, I mailed a certified letter with delivery confirmation to your company Palisades Collections Inc. about 30 days ago. I have the green delivery confirmation receipt in my possession. I requested complete validation of the account placed by Palisades Collections Inc. to my credit files. I have yet to receive any validation and your company has failed to mark the account in dispute notation on my credit files with multiple credit reporting agencies. Since you claim to be a â??compliance paralegalâ?(as per your signature) at a collections company, the following listing of violations must be right up your alley and should be very easy for you to figure out how many statues of the federal law your company has violated in my case. I will even give you some hints, Federal Fair Debt Collections Practices Act, Federal Fair Credit Reporting Act and also the statutes put in place by the Texas Legislature to curb illegal activity by collection companies like Palisades Collections Inc. who are required to post a bond in the amount of $10,000 before harassing any consumers in the State of Texas For your clarification let me further list out each of the violations by your company Palisades Collections Inc. 1. Placed false, non- verifiable derogatory information to 2 credit reports. ( 2 counts) 2. Ignored validation letter mailed certified RMCRR (1 count) 3. Palisades Collections Inc. practiced illegally in the state of Texas by continuing collection activity without posting the required bond with the Secretary of State for Texas. (1 count) 4. Without having any proof of debt, Palisades Collections Inc, verified incorrect and false information to 2 Credit Reporting Agencies.( 2 Counts) All the illegal activities and blatant disregard for Federal and State laws by Palisades Collections Inc have to stop. I will be filing a lawsuit against Palisades Collections Inc. in the Dallas County Circuit Court for numerous listed and new violations on or after August 1st 2002. I will be seeking a jury trial to resolve this issue. Ms. Thompson, you have until the end of this month to comply with the federal laws and correct my credit reports, by deleting any information your company, Palisades Collections Inc. has placed on my credit reports, including consumer inquiries. If you decide not to take my generous offer to settle, I will be seeking relief for damages on each and every violation of the Federal and State Laws caused by your company, Palisades Collections Inc. along with any punitive and actual damages through loss of credit opportunities, mental anguish and future loss of opportunities. I thank you sincerely for all you help. Sincerely, dan Dallas,TX
