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What would you do? CA problems

Discussion in 'Credit Talk' started by dduke25, Jan 4, 2004.

  1. Jan 4, 2004 #1
    dduke25

    dduke25 Well-Known Member

    In Oct 2003 I pulled my credit reports and I noticed something from a Ca that was not mine come to find out they bought a 6 year 6 month old repo they inserted there self's as the original creditor and re aged the DOLA 4 months from the OC DOLA It was deleted from TU and they apologized for the errors and said it would not be re reported today I checked EQ and its there but its correct on this report.

    I still have the documents from Oct where they violated the FCRA.

    Any ideas would be great.
     
  3. Jan 4, 2004 #2
    NanaC

    NanaC Well-Known Member

    The first thing I'd do was check the legality of the CA in the state(s)...

    Ok..is anybody surprised that I popped in here and said that??ROFL
     
  4. Jan 4, 2004 #3
    dduke25

    dduke25 Well-Known Member

    bump

    Any ideas I would like to pursue these pricks ASAP
     
  5. Jan 4, 2004 #4
    NanaC

    NanaC Well-Known Member

    That means you've done the step above?
     
  6. Jan 4, 2004 #5
    dduke25

    dduke25 Well-Known Member

    Ok Nana,

    Whats the best way to check with the state who do you call?

    I have never had to do this
     
  7. Jan 4, 2004 #6
    NanaC

    NanaC Well-Known Member

    ok..first read the link in my sig..about state laws...it gives you step-by-step directions..then ask when you don't understand and I'll help as much as I can! :)
     
  8. Jan 5, 2004 #7
    ontrack

    ontrack Well-Known Member

    Is this all of the following:
    1) Not your repo,
    3) Not your account or debt in any way,
    2) Reaged,
    3) Falsely reporting CA as OC?
     
  9. Jan 5, 2004 #8
    Flyingifr

    Flyingifr Well-Known Member

    You were nice for not suing them over the FCRA and FDCPA violations in October. It is now January and they are at it again.

    Maybe I'm getting nasty in my old age but I would have sued them in October. How many times do they have to mess with you before you make them pay? I would send thema Court Summons (not bother with an ITS letter) and let THEM figure it out.

    Let's see.....

    re-aging - FCRA violation $1000
    deliberately posting false information in a credit file - FCRA violation $1000
    Failure to send you mini-miranda - FDCPA violation $1000

    Ka-ching....
     
  10. Jan 5, 2004 #9
    dduke25

    dduke25 Well-Known Member

    Thanks Flyingifr,

    I would love to nail there butts in court but I'm also scared it will backfire they bought the old debt I was young and stupid and cosigned and have not heard nothing until now.

    I wonder if the judge would pass a judgment on me for the debt it is pass the sol though.

    Also what is Mini Maranda?

    Would you still go after them?

    Thanks,

    dduke25
     
  11. Jan 5, 2004 #10
    Flyingifr

    Flyingifr Well-Known Member

    Re: Re: What would you do? CA problems

    The debt is outside SOL????? SUE THEM. PERIOD.

    They can possibly countersue but the SOL is a damned good defense.

    I can just see it in Court now;

    You: "Yes, your Honor, I owed them this money but they didn't bother suing me until asfter teh Statute of limitations expired and I sue them because they put false information in my credit file, violated Fair Credit Reporting Act, Re-aged the account and violated Fair Debt Collections Act."

    The Mini-Miranda is a statement required on all correspoondance from a CA.
     

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