Dolemite_73

Emailing a Goodwill letter to someone in Executive leadership could also reap benefits as well. Get someone in upper level management to respond instead of some corporate drone somewhere. YMMV.

Is Global Consulting collecting for the company that you filed arbitration on?

Is Specialized Svc the Original Creditor? If so does their reporting mirror Real Time's? I would send another dispute questioning the date the account was settled. Moving that date is a no-no.

How you deal with this is based on a couple of things: 1. Is there anything wrong with the reporting on the tradeline with the lates? Look at the tradeline very closely and if ANYTHING is wrong with it, you could use that to leverage them changing it or deleting the tradeline all together 2. You could try to email both the car finance company's CEO reporting the lates and Carvana CEO (on the same email), explain the situation and see if they can work this issue out amongst themselves. 3. Depending how litigious you are, you may want to get in contact with a consumer lawyer. Carvana's actions damaged you. 4. If you are really feeling froggy, file an arbitration claim against both companies, separately, and use the big money both companies would have to shell out in that arbitration claim (several thousands of dollars at the minimum) to leverage what you want. If this were me, attacking the tradeline for potential FCRA violations would be my first step, while also emailing the CEOs of each company informing them of your intent to file an arbitration claim against both of them would be my courses of action. But I have a vast amount of experience in such matters and follow through when I needed too. It depends on how much gumption and resolve you personally have to pursue this matter. First though, it's time to get off of the phone, start writing letters/emails and develop a papertrail.

A bit wordy. Try this: To Whom it may concern In regards to the above referenced account I dispute this account and request that you provide proof that I owe the above referenced amount in your letter to me under the Fair Debt Collection Practices Act. It is inconvenient to call or text me at anytime. You will correspond with me via US Mail. Per the contract with Verizon and I, be advised I am exercising my right to arbitrate this matter. Love, You

Agreed. This dispute is tailor made for arbitration. Look at the contract and follow the steps to initiate arbitration.

Just another lovely reason why you file pre-emptive arbitration against these clowns and increase their costs through the roof.

So the OC's verified false addresses? Any other false items on the TL that was verified? And Ex won't let you dispute again? Sounds like a matter for arbitration to me. Both the OC and EX can join in the fun. They get to spend a ton of money defending their actions for very little good reason. Who is the OC?

That's why you drag them into arbitration. Costs them tons of money, your outlay is $200 or less and the rules of procedure and case law are much less stringent.

HSBC had a VERY consumer friendly arbitration clause. Go to the FDIC website to find HSBC's credit card agreement. That agreement ropes in Cavalry on any claims you may have.

Does the account associated with Cavalry have an arbitration agreement? If so, I know of one surefire way to get it off.

Dispute the inquiry with the CRA as it should have been a soft vice a hard inquiry. Or you can play hardball with the CA that put it there.

They can't. Congrats. You now have an FDCPA violations on Midland. You now have leverage as well. Use it.

Hmmm I don't get the reasoning, but maybe I'm missing something. If it was that easy, wouldn't all CAs and CRAs just ignore all requests until someone actually filed a claim and got a court date, and then just fix the problem right before trial so that every case would be null and void by that time? The FDCPA is strict liability. So a CA fixing something illegal would not help. The CRA could theoretically do this, but most don't. Why? Because everyone would file on them knowing they could get it removed before trial. Think the CRA's will do that? You need to study the FCRA. You need to use Google Scholar to see why CRA's are being sued and why they win most of these suits.

OP, you should have sued before they removed the tradeline. Damages would have been provable based on the offending tradeline. Once they deleted the tradeline, it rendered your case null and void. Again, the FCRA is not a strict liability statute (permissible purpose section the exception). But please feel free to move forward. I wish you luck.