Who here is Dealing w/ Gulf State?

****Plus the Company Gulf State works for .... Thanks Breeze ;-)

Yes, but Breeze's post didn't tell us where that was at in the law that allows that to happen.
Still more research to be done on that one.

 

I filed a lawsuit against Gulf State for placing two identical accounts on my credit report that have already been proven to be inaccurate. They are also reporting them as 120 days late even though there is a zero balance.

 

The cra's are supposed to have a mechanism in place to prevent deleted accounts from reappearing. I can tell you that Experian does not as this has now happened 3 times with them and none with the other 2. That is part of my lawsuit. And I am going to file a lawsuit against gulf state fairly soon. They have also ignored everything i have sent them and are in numerous violations of the FDCPA.

 

I am with you LKH. When I received notification from Gulf State Credit in November of last year, I immediately disputed the Sprint account with them. Then in the same month they sold it to another collection agency. They don't own the debt, as they sold it to another agency. Can someone shed a little light on this for me? Can 2 collection agencies report the same debt? If so, Gulf State should have removed their notation when I disputed the debt. The agency they sold it to couldn't validate the debt and removed their notation. I have a letter from them stating they couldn't validate the debt and removed it.

I disputed the account with them when they sent a bill. They never responded. I have the return receipt dated 12-28-00. They signed for it exactly 30 days after I received a bill requesting payment. I sent another in the spring. Again they didn't respond, and to add insult to injury they verified the account as accurate when I disputed it with Experian.

The second collection agency placed the Sprint bill on all three bureaus. I was pissed. I filed a complaint with the FTC, the PA attorney general. Within 10 days of receiving my complaint, I received a letter from the AG stating the situation was resolved and a letter from the collection agency stating they were removing their tradeline because they couldn't verify it. They are the legal owner not Gulf State.

Now I have Gulf State reporting to Experian only. It is notated 180 days past due. This was for a sprint bill. My complaint was and is I have never had sprint as a long distance carrier, I have worked for the largest long distance company in the world at the time Sprint claims to have had service with them. My long distance (at the time) was free.The worst part is they never responded to my requests for validataion, and they verified the account as accurate with Experian. Not one time did they notate on my report that the account was in dispute. Right now, I have them, and I know I do.

I have a couple of questions that I hope someone can answer for me:

1. Gulf state purchased this debt and sold it the same month, so can they report the account? Once they sold it shouldn't they remove their notation?

2. Gulf state never responded to my requests for validation. I sent 2 letters, one I received when they notified me I owed them money. I have the return receipt signed and dated, the second around the first week of March. After no response from both requests for validation, I disputed the tradeline with Experian who claimed to have verified the tradeline. Doesn't this constitued 3 violations of the FCRA?

3. Does Experian have liability in this? They claimed to have verified this tradeline as accurate.

4. When you dispute with a collection agency isn't it their responsibility to place the notation on your credit report, "Consumer requests an invesitgation"? The reason I ask is because when I sent the second collection agency a validation letter, they placed the notation on my credit report that the account was in dispute.

Any and all help is appreciated.

 

I say you got them real good.
Collecting on a debt that you never owed in the first place?
selling a debt you never owed in the first place to an innocent 3rd or 4th party?

Sounds like you ought to talk to David Szwak or some attorney like that. One who is heavy into these kinds of problems.