Something wicked, this way comes!

[justbroke]

Two updates...

Update #1: two of the credit reporting agencies, who shall remain nameless but it wasn't TransUnion, responded to my demand with a counter letter indicating that I didn't provide enough information for them to "investigate" my claims! Silly CRAs! My name, address, masked SSN (last 4), current address and case number was included! In any case... I'll play their game this one more time, then they will be in the United States Bankruptcy Court explaining it to my Judge.

Update #2: well, I don't know if I told you about this, but a collection agency was trying to collect money from me for a red-light ticket that I allegedly received in a part of Florida that I've never been to. I sent them a nasty letter telling them to validate it. They sent me a letter back with a web page copy of a court page that didn't even have my name. I called them and they tell me that they don't have the ticket (original debt) and that I have to call some other number to obtain the proof. I immediately called their corporate headquarters and received the name of the president and vice president. Sent them a scathing letter indicating that they can't put negative entries in my credit report for something they can't even prove and that they have violated the FDCPA and FCRA, etc, etc. I just received a letter which basically says this...

"let this serve as confirmation that (we) submitted a request to the credit bureaus to delete its tradeline from your credit reports..." It included an eOscar electronic verification number as well! (The request was submitted electronically to the bureaus.)

So, debt validation works. They could not validate the debt and admitted that they had no evidence of it. Shame on them. This all happened because I received a credit alert from my credit monitoring service. It took my score down about 40 points (since my credit is mostly clean). This is just shameful that it's so easy for them to do this. Without my perseverance and hours of calls, and my CMRR letters... this could have ended badly.

[debee]

Good for you, jb! Those bad boys just don't know what they've got comin'.

[IamOld]

Exactly justbroke - they hope that people meekly fold and go away.

Congratulations on #2!! and good lukc with #1!

[chicagoannie]

ugh....you go, jb! (This is why I am afraid to run my credit reports....)

[tobee43]

justbroke:Update #1: two of the credit reporting agencies, who shall remain nameless but it wasn't TransUnion, responded to my demand with a counter letter indicating that I didn't provide enough information for them to "investigate" my claims! Silly CRAs! My name, address, masked SSN (last 4), current address and case number was included! In any case... I'll play their game this one more time, then they will be in the United States Bankruptcy Court explaining it to my Judge.

like YOU didn't provide enough information??? (never ever never ever ever never happen..)...i'd be at my wits end

Update #2: well, I don't know if I told you about this, but a collection agency was trying to collect money from me for a red-light ticket that I allegedly received in a part of Florida that I've never been to. I sent them a nasty letter telling them to validate it. They sent me a letter back with a web page copy of a court page that didn't even have my name. I called them and they tell me that they don't have the ticket (original debt) and that I have to call some other number to obtain the proof. I immediately called their corporate headquarters and received the name of the president and vice president. Sent them a scathing letter indicating that they can't put negative entries in my credit report for something they can't even prove and that they have violated the FDCPA and FCRA, etc, etc. I just received a letter which basically says this...

just to make you feel better, when we were in nj, one day i go to our mail box...there were over 50 envelopes in our box. i brought them in and they were from the turnpike authority claiming we ran toll booths and now owed the state 2000.00 somewhat dollars in fees , late fees etc. in each of the letters there was a a picture of the car going thru the toll and a snapshot of the license plates. NOT ONE OF THE 50 was our car!!!!!!!!!! i wrote them back and they said they didn't care, we owned them the money. not one one those cars was registered to us. crazy stuff. months later in the state's "main" paper the star ledger, it was reported that the state had hired some collection agency to collect on toll booth runners and they were just sending out these letters arbitrarily. really BAD!!

this is so bad!!!! i just hope it's over for you soon.

[justbroke]

An update. The creditor, failed to respond to my demands to remove the information, so I filed a Motion to Re-Open my bankruptcy case for the limited purpose of filing for sanctions. That should be at the courthouse on Monday afternoon (7/18) and I also served the creditor at 3 addresses. Let's just see how this plays out. They are actually reporting -- and confirmed via 3-5 disputes -- that I am past due $27K on my mortgage! It was discharged! Silly creditor.

[tobee43]

do you want me to come with you...? i can be politely nasty...if you would like?

this is obscure. what an absolute pain.

[tigergem]

Thank you for the update. Get 'em!

[IamOld]

An update. The creditor, failed to respond to my demands to remove the information, so I filed a Motion to Re-Open my bankruptcy case for the limited purpose of filing for sanctions. That should be at the courthouse on Monday afternoon (7/18) and I also served the creditor at 3 addresses. Let's just see how this plays out. They are actually reporting -- and confirmed via 3-5 disputes -- that I am past due $27K on my mortgage! It was discharged! Silly creditor.

Wow - go for it justbroke!!!!!

[IamIrene]

Hey, justbroke! Would love an update on this when you get a chance. Hope it went well!

[CCsAreEvil]

justbroke is my hero.

[justbroke]

I have an Evidentiary hearing scheduled in September for this! Looks like the Judge wants to talk!

[tobee43]

I have an Evidentiary hearing scheduled in September for this! Looks like the Judge wants to talk!

can you take pictures. LOL!!! i would love to be a fly on the wall. so the judge wants those facts and i'm certain as the nose on my face you are going throw those docs at them and they won't know why hit them!!!! i also like the fact this judge took your motion to re-open, seriously enough to review the situation.

you got this one, i can feel it!!

[dman]

September...so far away...can't contain excitement...must know what happens next on "As the FICO Scores."

[mizzmonick19]

justbroke...I believe you have this one...good luck :-) pls update