Still combing through Husband's TU report and they have phone numbers on there that are over 10 years old. One of the numbers is MY cellphone (we don't use landlines) and this Portfolio Recovery has started calling me over 2 old debts on HIS report (not mine). I haven't answered the phone calls, yet. They don't leave voicemails, but they call several times a day. My guess is that they got alerted when we did this car loan a few days (they probably had him as a skip). I want to get my cellphone off his TU and am curious how I should handle the calls from Portfolio. Should I answer and tell them to cease calling, they are using a robo-dialer on a cellphone which is illegal (I can tell because I have traced at least 6 different numbers back to them), not answer at all and just send a DV?
As far as getting your number removed from his report, that is easy. He can just initiate an online dispute of the number as 'not mine'; I've done it, and old numbers/addresses come off rather quickly, usually under a week. As far as them contacting you for HIS debt: [15 USC 1692c] (b) COMMUNICATION WITH THIRD PARTIES. Except as provided in section 804, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than a consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
In case she runs into the same problem i did; What do you do when you online dispute personal information and the CA responds back that they will not remove the address because "it is being reported/verified by one of the account on file (without giving the specific name of the account)" ... With Experian i cannot dispute 3 old address and old numbers for this exact reason. I swear i am the "poster child" for everything that can and does go wrong!
Section 611 (a) (6) Notice of Results of Reinvestigation (A) In general. A consumer reporting agency shall provide written notice to a con- sumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if author- ized by the consumer for that purpose, by other means available to the agency. Contents. As part of, or in addition to, the notice under subparagraph (A), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph (A) a statement that the reinvestigation is completed; a consumer report that is based upon the consumer's file as that file is revised as a result of the reinvestigation; a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available; They can't just withhold that information. Nah, you just like us so much here that you make this all up
God, i so wish this were the truth! LMAO Okay so a letter requesting info should go out to them should this happen to Lizzy, me or anyone else! Also Lizzy i know mindcrime said online dispute it. Some people do get good quick results and i did get some address disputed quickly BUT overall I say avoid online disputes like the plague! The response you get back is just an email stating "your results are available here:" (a link to an updated report with basically no details and you have to figure out what was changed.) When i first started out i disputed 7-8 different things and it was hard to figure out what was removed/update based on the email unless i looked at a old copy of my report and compared it. When everything settled it was then that i saw 3 address were not removed i tired to dispute it again and got that message stating "it is being reported/verified by one of the account on file" with ZERO option to dispute it again... as most online dispute terms and conditions states you 100% accept the results and cannot dispute it again, online that is.. Thanks Mindcrime, I hope to one day be able to pull FDCPA and FCRA laws as quickly as you and Jam do! I think i will have to wait until the HIPAA disputes i'm doing are done first before sending another round of disputes to the CRA's. I don't want to hinder anything with HIPAA
Jam is another advocate of the fax method (which I certainly do not disagree with), but I have simply been able to successfully use online disputing to my advantage so far. That's absurd to use the term "by one of the accounts on file". Sounds like back in the day before the FCRA was enacted when everything in a consumers file was 'hush hush' Good plan. Not that it would hinder anything with HIPAA; but you don't want to overwhelm yourself either.
This is such brilliant info! I think I might look into an efax subscription. Kameleon, I have a feeling I am going to have send a few HIPPA letters out myself. ::sigh::
