I was recently sued by MCM...summons, etc. I submitted my appearance, response, and a debt validation letter requesting many documents to verify ownership of debt...payments made on debt validating ownership.....and original contract signed by myself. 30 days later I appeared in court, continuance, because lawyer said a representative has to appear with documents requested. 60 days later, I appeared, their lawyer appeared but NO representitive of MCM, hence NO documents....case was , ugh, "dismissed w/o prejudice"....I was so happy thinking finally I can get the debt removed off of my report. Until i contacted and sent the CRA's the court documents and letters asking for validation. Equifax actually told me she looked at the documents and determined that she could not remove from my credit report because the court document doesnt actually say remove!!! WTF!!?? The fact that I asked for validation, waited 90 days and they couldnt produce it alone should be enough to remove faulty document. The fact that the lawsuit was based on my alleged ownership of debt and it was dismissed....what the hell was the court good for then??!! Is there a way to file a motion to go before the judge and change the judgement to reflect removal of debt from CRA's....TU removed it without any problems...I sent all three CRA's all of my documents. Im trying to figure out what next...or a great letter to send CRA's with enclosed copy of actual law that pertains to this....what can I do? THANK U VERY MUCH!!!!
