xrunawaybunny

Union Adjustment Company medical collection account for a 'Gary K. Kim MD' in orange county california aparently this was a $75 office visit co-pay. According to the office this was for a denied claim for a mole removal on a then 39 yr old man. I was a 27 year old female at the time. Gee wonder why it was denied? I first noticed this on my reports in 2005 in the ammount of $175. since I had a divorce procedding at the time I kind of assumed it was just one more turning of the screw by my Ex. (he was 29 at the time, no moles) Fast forward to 2007 when I began reading this board and cleaning up my files. I have Dv'ed this company 3 times and have received no response. I had my former addresses and phone numbers sanitized from my reports and turned in a police report (had my purse stolen out of the basket while shopping in a target store in 2003), regarding this along with my letters to Blue Cross notifying them of this attempted fraud (not that they cared) and placed a fraud alert on my credit files. in response to my first DV request, they began to place twice daily phone calls to my new cell phone number that i did list on the fraud alert information number to contact me at when anyone tries to open an account. due to the advice of this board I answered none of these calls and sent a second request for validation/stop calling put it in writing only. along with a copy of the original police report. I also sent letters to the three bureaus requesting this account be deleted. All three deleted due to a non response to verification from UAC. Then 1 month later True credit alerted me that my TU score had dropped 90 points due to a new deliquent collection account. IT now apears as: UNION ADJ Creditor Name: UNION ADJ Account No.: XXXXXXXX**** (edited) Original Creditor: MED1 GARRY K KIM MD INC Responsibility: Individual Condition: Derogatory Original Balance: $241 Balance: $308 Date Opened: 06/15/2007 Date Reported: 02/01/2008 Remarks: [TransUnion] Account information disputed by consumer, meets FCRA requirements [Experian] [Equifax] By this time it is November '07 and this it the sole blemish on my credit report. This account was not relisted on EX or EQ. I was driving when my cell rang with an 'unavailable' call and was spoken to rather rudly by a man representing this firm. I informed him that I had sent two copies of a DV request and had put it in writing that it was 'inconvienient to call me at any time and to send all further communications in writing' He claimed to have my 'file' in front of him and had no such documentation listed, when could he expect payment? I told him extortion/blackmail was against the law and I had proof that their office recieved my cease and desist/DV/police reports twice and that they had illeagaly re-aged the account and had cell phone bills showing their number as an incomming call after they had signed the green cards and as far as i was concered he owed ME money. He Laughed and said 'oh yeah when what date' I pulled over imediatly informed him I was on my cell phone but just so happened to have my green slips and cards right here in my glove box. As I was fumbling to pull them out I placed the phone on speaker and could hear him saying ' mam are you on medication, you are yelling and acting crazy', 'there is no need to yell mam' (do i need to mention that I wasnt yelling because i thought I was cooly handing him his flowers?) I picked up the phone switched it back and cooly gave him both dates. Without batting an eye he responded with 'are you currently under psychatic care?, What medication are you taking?, You are clearly out of control! I fear for you!'. I responded my medical information is none of your business (see he got me off topic) and he had better delete the account by the end of the month or else i would sue and he would owe me $1000. He switched gears again and informed me that his company had no record of my alleged documentation, it would cost me $5000 to sue them and i would never get paid and if I wanted the calls to stop I had better pay them, when could he expect payment? I told him I would not be held hostage like this and i would be sending letters of complaint to the State attourney and the BBB by the end of the day. He said well as far as there records go he had broken no laws at this time and my claims would be dismissed. So I mentioned that at the very least, i had informed him at the beginning of the call that i was on my cell phone and to put his requests in writing and if I recalled correctly it was an aditional $1000 fine to block his number and to communicate with me on a device that cost me money. He said 'well you'll have to sue me twice for that then'. I said I concider this matter closed and the conversation over, I had better have written notification from them by the the end of the month that they would be deleting this account or they could expect to be sued. He laughed , and his voice got really low and firm and he said "I will personally gurantee that this account will NEVER ever be deleted from your report, no matter what you do, i dont even care now if you pay me." Then he abruptly hung up. The account was updated in December, I sent a third DV request and Re-Disputed the account with transunion with the police report in January 08 and on the 28th day of the 30 day window, TC showed that they updated the account to febuary. TU sent me a letter stating 'please note the updated information below'. i called TU and basicly said hey what the hell? didnt you get my police report? and they said that they independently verify and that the address UAC had supplied matched my current one on file and that they couldnt help me, I would have to work it out with UAC. I asked if it mattered that the other bureaus had deleted this TL long ago and could she at least look at the history and see that the account was re-aged from 2003 making it look new?. She put me on hold for like 20 mins and came back and said that i would have to take it up with UAC as far as they were concered the address matched. Was there anything else she could help me with? needless to say i laid on the bed and cried for a few mins, then got up and fed my kids, got ready for work and have only half heartedly attempted to look up how to go about suing them in small claims court as hiring an attourney is completely out of the question for us fiscally and i have absolutly no confidence in how to even form my suite, what exact violations, how much to sue for etc. I have basicly resorted to not applying for anything that pulls TU, which is kind of like stumping around on a fiscal peg leg. I didnt even post this in the forum as there will inevitably be responders that say re- read, re- post, I cant believe your not standing up for yourself ETC..... And frankly my emotional bank account on this matter is seriously overdrawn. No response is necessary, i only wrote this as I have been unable to find anything on the board in refrence to Union Adjustment Company and if anyone out there is dealing with them right now, yes they are shady and no your not alone in your frustrations. if you'll excuse me I have to go perform a kick count now and phone a doctor and beg to be induced as i am now 9 days overdue with my Third child. Perhaps i will revisit this in the next few weeks when I have a firmer grip on my hormones..... (grin)

Depends on where you got your first scores from. There is literaly a 110 point diff between 'truecredit' and myfico on one of my scores. *hence 'fako'* TC is good for monitoring changes (cheaply).

GOALS25 just worked 2 mins ago.

also dont be surprised when they (manualy) change the TL this month only to have it revert back the first of next month, the first of the month after that the system will have it right.

Congrats Andromeda!, did Kevi have anything to do with it or does it sound more like the winds of change to company policy?

TC has my EX at 644 and MyFico has it at 755..... other two are only 70 points or so off...

dont forget to dispute with the big 3 the moment you get the green card back!

set up a bill payer online with your bank and then its done, no $7 no late fees no derogs its one afternoon (if your slow) then relax. I agree your utilization is whats KILLING your score (its 1/3), it also affects your chances of getting approved for new cards with higher limits. then dispute that baddie (with the big three) as reported 'incorrectly' you have ZERO to lose. Chances are they might have bigger fish to fry or have flushed you out of their database. (not familier with First Premier) 'sittin on the porch never got the fence built'

here is a usful link to draft your second round DV letter. Never hurts to create a huge paper trail for a judge and muddy up their 'case'. I found it here one another post a year ago, hopefully they dont ding me for reposting it because it contains alot of GREAT info. http://consumers.creditnet.com/Discussions...tion-42188.html

if you sent the collection ag a DV a week ago you should be sending a dispute to ex and Eq by monday stating the status and terms of the account are reported 'incorrect'. the CA is reporting it as a deliquent 'revolving account' that has terms of 1 month and hasnt been paid since July (making it 180+ to the computers) and 100% utilised ($273 of $273 available) THATS what's killing your score. Its a typical dirty trick to pressure you. follow through. (also not marking it as 'in dispute' is another violation. (you said you sent a DV previous) there is more detailed info on an actual EX and EQ report HC, I cant really tell how much has been glossed over for the easy side by side view you have posted.

read Psydoc's seminairs, it will tell you how to triage your reports and what to dispute when and why if your diligent you get in at least 2 rounds of disputes (with a 1-2 punch) by may

TC has me at 644 and Myfico has me at 755. Go figure. (today)

yep, I had an account and address deleted off my old report because it belonged to another person with the same first and last name. Now every time they ask those questions they ALWAYS ask me about that address, the first two times I told them I had never lived there (and was denied because they couldnt verify my idenity) the last dozen or so I just said yes and the county that address was located in. It always annoys me, reminds me I gotta figure out how to correct whatever program has it wrong.

both DH and I's verizon disapeared in the first round, but midland is still reporting it as a brand new account on his report. 9/07 it was over in 05/03.

I had two do this, in both cases I sent back a copy of their dunning letter, a copy of the pervious CA's DV request and a copy of their green card. I then sent the same DV letter as a cover sheet only I add a paragraph at the top that stated that dear ca obviously you just purchased and perviously unverified debt, and disputed account please note the following enclosures. in each case I got a letter back saying they were returning the account to the previous owner. and I never have heard another thing about them. (both were deleted with a previous 1-2 punch)