Foul Play? Please Give Me Some Advice

Mar 152011
 

Most people here remember my case, and my triumph over the shady LVNV.  But I think foul play is at hand, and i wonder if I can take legal action.  I wonder what you guys think and if you think its common what is happeneing to me right now.  Im trying to by a home of course but my year long efforts to clear a judgement is still rearing its ugly head.

 

So please, look at these events, and tell me what you guys think is going on here.

 

Dec. 2008 – judgement placed on Credit Report

 

Mar 6 th 2010 – judgement wtill on credit report

 

Apr 2nd 2010 – Judgment Vacated

 

Apr 14 2010 – judgment on credit report

 

May 10 2010 – JUDGEMENT OFF CREDIT REPORT

 

Aug 17th 2010 – Judgement dismissed with prejudice.

 

September 2010 – Im happy

 

October – Still happy

 

November 2010 – Still Happy

 

December 2010 – Still happy

 

January 2010 – Still happy

 

February 5th – Still Happy

 

Feb 27 – Steamin hot JUDGMENT REAPPEARS

 

After 3 disputes, it continue to be verified by Equifax.  The Courthouse keeps telling me they have nothing to do with Equifax, they dont talk to Equifax or deal with them.  Theyve been rude and discourteous to me the whole time because I keep calling.

 

Equifax says it keeps coming back verified by whatever process they use.  its some automative process they use.  The Courthouse lady, says everything they have shows the judgement is dismissed, and that it is nothing more she can do.

 

3 Disputes, and they all say the same.  Judgment is valid, but Courthouse says NO. 

 

SO 1st.  Why would a judgement reappear on my credit report, after being off for 6 months, unless LVNV reissued it?  And did something to it, to make it difficult to get off.

 

I dont know what do do im in conspiracy mode.

When to dispute with the OC vs. the CRA

Jan 062011
 

Hi all,

 

Is there a hard and fast rule that applies here? I have about 6 accounts reporting me as late after I filed BK in April 09. The lates go from May-June, and a couple include charge offs. I’m clear now that they should not be reporting me as such. My initial thought was to write to the ONE CRA (Exp) that is reporting (I don’t see these on TU or EQ–does that mean they aren’t there? Stupid question, maybe, but it doesn’t make sense–to me– that these companies would report all of these lates to only one CRA) and tell them to delete based on the OC filing the auto stay that came about in April 09. But the choices available for online dispute with Exp are so limiting; I know it would come back verified and I’m nervous about them using that to reage the accounts.

 

What are your guys’ thoughts? OC or CRA?

 

Thanks bunches for any and all input! :)

Interesting…Wrong Addresses on CR

Mar 172010
 

1.  So, I sent a CA 2 DV requests which were both returned as not deliverable.  My 1st attempt I used the address the CA listed on my CR.  The 2nd attempt was an address I found online.  Here’s the thing, this acct is old from 2005, I want this OFF. 

 

If I dispute with CRA, won’t they use the CA’s contact info on my CR and get no response just as I did?  Then since it’s unverifiable it will be deleted.  OR will CRA use some stupid 3rd party database and it will get “verified” using their ghost MOV?  I don’t want to waste another 30 days.  What is best?  I would think contacting the CA via mail. 

 

2.  Sort of related question: what’s up with EX using address ID #s for each TL?  EX has about 20 addresses for me (more than half are incorrect variations of a correct previous address).  If you try to dispute an address that’s associated with one of these TLs they won’t delete the address.  Dispute anything about a TL it quickly comes back verified because of that address ID.  To update the address, EX says contact the provider of the info (to update EX indirectly when the TL reports), but I’m not doing that!  Anyone know how to update addresses with EX?? (I want to begin the HIPPA process, I need to clean this up 1st).

Arrow Financial and Midland ignore DV requests – What next?

Feb 222010
 

OK…..I sent Arrow Financial Services and Midland Credit Management DV letters in November 2009. Received confirmation they received all the letters with signture confirmations. I keep getting account verified as belonging to me from the CRA’s. I understand that since the accounts are past the SOL they do not have to respond to the DV letters. But isn’t the continuation of reporting the information that has not been validated an FDCPA violation?

 

CRA’s only verify through E-Oscar. I disputed 2 accounts via internet and both came back verified in 4 days. (that was a mistake…I should of used snail mail).

 

What arsenal of weapons can I use to challenge the CA’s to prove validation? Can I force the CRA’s to perform a proper validation by mail or fax? These 2 CA’s represent some 13 accounts on my credit report. The OC’s have listed all the accounts as charge-Off’s. I contacted one major OC involved and they state I have no financial obligation to them. Balances owed were transferred to the CA. However they continue to report the accounts as charged off. Any suggestion on how to get the OC to remove the negative listing since they don’t seem to want to settle for a PFD?

 

 

 

Experian stall tactics

Feb 032010
 

I sent in snail mail, to all 3 bureaus, some personal information disputes asking for things to be updated, giving corrected information, and requiring old and incorrect information to be removed completely.  I did this for both my hsuband and myself.

 

Experian responded to my hsuband’s letter stating one of the accounts I disputed at the same time came back verified which really is ticking me off.  Then I got a letter from Experian stating that they received a suspicious request regarding his personal information and that they were not taking action on it because they determined it was not send by him.  They are also saying that they will no longer respond to requests sent in by mail.  They are stating that if we want to fix anything it needs to be done online or over the phone.

 

um….aren’t they suppsoed to allow us to dispute by mail?  This seems like total BS and it makes me mad.  They are suppsoed to fix personal information that I ask to have corrected, and this is a totally incorrect response.  What should I do?

 

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