I've had a couple of people on the phone at TU tell me that they don't use DoLA. Yet I have printouts where they show incorrect DoLA. These printouts came from the internet. Both were credit report + FICO. One from TU site. Second was two days later from myFICO. I can't figgure out how to dispute items that they can't see. In addition, the DoLA was not listed in updated credit reports that they sent to me in the mail. Is this a violation of FCRA? Seems to me that it should be about five violations at once. I'm greatly concerned about hidden data. A little background: filed ch13 bk 6/98. I had two accounts with the OC. OC keeps reporting that the account was written off, delinquent and all kinds of stuff. Lots of funny dates etc. I've disputed the dates for all the bad dates I could spot except for the DoLA. DoLA currently shows 2/02. I'm sure that it should be 6/98 .. anybody??
Gersh, CRAs are a farce. Yes, they are suppose to show "all". Same here for me but with Equifax. I pull a report at Privacy Guard and it shows a "also known as" name. A completely different name appears clear as day. And yet when I pull Equifax that name does not exist. From what I heard...hearsay,,, is that the CRAs have different prices for info. If the creditor pays more they can get more info than the standard report they sell us. Personally I thought writing and have it removed even though it does not appear at EQ. I was thinking I could send in the proof of where it shows with my CRRR. I have not read anyone taking them to court on not including "all" in our reports. I imagine somewhere in our reports the word "all" exists to appease the courts. Flyingifr is taking them to court with proof for being liars regarding not verifying accounts with OCs when they say they do.
I posted this on another thread and thought it should be here also. (BTW thanks for the bump) Wow !! I just got a supervisor from TU to find the Date of Last Activity. Most of last week I was trying to get a supervisor on line. Every time that I called in, the person I got couldn't see the DoLA on three of the line items listed on my report. The incorrect DoLA that they listed for two of the accounts was Jan of 2002. I asked each one of the people I talked to if they could see that date in ANY field .. every one said they didn't see any such date. Now today the supervisor tells me the field is named "date of last sale" and all of the other folks should have been able to see it. These folks are a motive for heavy drugs ..
