Initial Hippa letter response

Jan 282011
 

I sent the initial Hippa letter to Equifax and Experian as these were the only 2 reporting collection accounts that were paid. 

 

I sent one to Equifax that they were reporting on my credit report and it now shows deleted.

 

However,  I sent 3 letters in one envelope for my wifes credit report and only one is showing up on her credit file as being investigated.  Did I **bleep** up when I sent them all in one envelope or what should I do now?

 

Also, sent the same letters to Experian and they are not reporting disputes on any of them.  What should I do?

 

All letters were sent out on 1-20-11 and signed for by 1-24-11

 

Any help would be appreciated.

Midland – They Got A Judgement Against Me A Year and Half Ago, But Still Updating Deliquency

Jan 142011
 

Hello Everyone,

 

Like so many people here, I went through Midland hell for years!  A year and a half ago, I decided to try to dispute them in court.  I spoke with someone at the county clerk who gave me instructions on what to do.  I got all of my documentation together, sent a copy to the court and then to Midland.  I came here a few weeks ago and was posting about my progress.  Someone suggested that since I had not heard from the court, it was possible that a judgement had been entered -  I called the court, and that was exactly what had happened, just 3 or 4 days before.  I was told that they entered a judgement against me because in my documentation to the court, I did not include proof that I had sent the same records off to Midland, something that I had not been previously told that I needed to do.  I went down to court with my certified mail receipt, and that was not enough.  I was told that there was nothing I could do.  So Midland got a judgement against me for nearly $1200.00 that I did not owe – it was for a Visa Aspire account that only had a 400.00 or so credit line many years ago.

 

The judgement is there ruining my credit and I have not paid it.  Tonight, I checked my Transunion CR for the first time in nearly two years, and Midland is still reporting this count every month as a recent deliquency.  Can they do this and still ding me with the judgement as well, essentially report against me twice for money that I simply do not owe them in the first place?

 

Thanks,

 

Frustrated!

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