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odjohnson3

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  1. Hey everyone Ive read around a lot and over the sticky for IRS taxes (Fresh start program) and theyre all great sources of information. Sadly they dont apply to the struggle im dealing with trying to get rid of the STATE TAX LIEN issue i currently have. ive read over a few comments about state tax lien removal that i seen posted in the sticky about federal tax liens but i still dont have a clear approach Wud someone be so kind as to provide me with some information on how to go about removing a California state tax lien. Its has NOT been paid yet but i do intend on paying it soon. It would be great to get the lien removed from my credit files since my progression has been going well thus far. Thanks so much for all the help
  2. Thanks so much for all the help guys I greatley appreciate it I dont recall ever recieving any kind of validation letter or anything of that nature...i dont even recall getting a dunning letter or anything like that What i have done thus far is this 1.regular dispute with credit bureau ....experian refused the request bcuz i forgot to include my ssn but they removed most information and turned the little info they had i to n\a all over the item in dispute. Trans union said they updated info but its all the same and equifax verified 2.debt validation request to the collection agency sent CMRR and sugned for ....of course i never got a reaponse 3. Sent a 623 letter requesting investigation and with this letter i included copies of a return receipts signed and letters that have been previously sent requestin validation and also disputes with credit bureaus with copies of my credit report pages with alleged accounts And here i am today with mo response so in another 15 days ill be at that 30 day mark and drafting up an ITS letter and filing FTC and BBB complaints to send copies of Ten days after that i plan to actually file a law suit if its still not deleted I hope i got this process correct...sometimes its hard with so much information and so many different methods of disputing...chime in anyone if u have any better suggestions One thing i was never clear on that id like to know the answer to is this "Are collection agencies required to stop reporting if i request validation and they dont provide it, IF ITS PAST THE FIRST 30 DAYS OF THEIR INITIAL DUNNING LETTER? No i never got a dunning letter but im sure itll be easy for them to say they sent me one and i didnt request validation within the first 30 days But if i request it later on, i understand their not REQUIRED to submi anyhing but can they keep reporting? I know the answer to this if its during the first 30 days of recoeving the dunning letter or INITIAL COMMUNICATION, but does this apply after as well? No validate No report (at any time or only during the first 30 days of communication does this stand) ? Thanks for all the help guys...ive read over the debt validation process a few times but im still unclear on the answer
  3. Had I not read anything I wouldn't have any direction whatsoever or know anything about the steps I've taken I think the issue is having more then one source of information and no set standard for which way to dispute If u haven't got something more informative to say besides "read," which clearly I've had to in order to even kno what anything revolved around credit is about, then jus don't comment Thanks
  4. I don't mean to come off like an flowers and I mean no disrespect whatsoever But basically I still have the same question as to what statue of law the collection agency violates by refusing certified mail (and yes I did send it CMRR) I know I could have sent it without requesting the signature and return receipt but that's what I requested and yes I always send my disputes to the address listed on my credit reports I understand that I could ask the credit bureau to delete this entry for their non compliance and refusal of my investigation (via 623) but I was hoping to include the statues of law that it violates, particularly what section code. I'd like to quote it in the letter I'm gonna send them along with all the copies and stuff U know ...be more specific and more in detail then simply stating that the collection agency and credit bureau are in violation of the FDCPA and FCRA Thanks for all the help thus far. I greatly appreciate it
  5. A 623 can be sent to any "data furnisher". It's often associated with OCs because the other methods of debt validation requests / 1-2 punches to clear up negative TL are generally spineless vs OCs. If the CA won't accept CMRR, you should photocopy the returned piece of mail and the USPS log indicating that delivery was attempted and refused (I do mine online, so a printout), and send all of that with a dispute to the CRAs suggesting the CA is not accepting correspondence for you regarding the tradeline that they are reporting, violating the FCRA and therefore the TL must be deleted. The CRAs do not need to know the content of the correspondence. if the letter is sent to the address that is listed on the credit reports, they have to accept it. only use the address listed on your reports - this is required under the FCRA Yeah bro I used the address listed on my credit reports but if it requires signature can't they refuse? I think I read about that somewhere online where they can simply tell the mail carrier they'll have someone pick it up at the post office and never go up there to get it And thanks for the info on making a copy of the refusal and sending it to the CRA. By chance do you happen to know what statue it violates if they're not cooperating with you or blatantly avoiding ur request. I kno it's a violation but I'm uncertain as to what statue of law and how to address the CRA in writing about it
  6. I wrote a 623 letter demanding an investigation to the collection agency and sent it CMRR Problem is they won't accept it, can someone advise me as to what I should do next?
  7. Hey guys I've been rebuilding my credit using the 623 method but I've hit a rough spot and I could really use some help here's my process 1) simple dispute with credit bureau stating the account was not mine (AAA CREDIT SERVICES based out of Anaheim, CA to be exact) 2) The dispute was refused by Experian because I forgot to include my social security number on my dispute. however they erased the little information they had and left N/A under nearly all over the account (scratching my head) Trans union updated the information so they say but I didn't see anything different Equifax didn't investigate bcuz I forgot to include my social as well 2) After receiving those results I went on and sent a debt validation CMRR to the above mentioned collection agency. 3) no reply from the collection agency so I sent a nice package of all the copies I had of all the return receipts signed for by each credit burea and each credit bureau report with the above mentioned account, I made copies of the return receipt signed and a copy of the debt validation letter I sent, a copy of my drivers license and a last but not least I sent them a nice 623 letter demanding investigation of this item however this time the collection agency won't sign for the CMRR and thus refuses the letter. If its returned to me what should I do next? My initial plan (if they wud have signed for it) was to wait thirty days and then file a FTC complaint, BBB complaint, and send an ITS letter After 15 more days actually file the suit with my local court house and jus bring all the information I have Am I on the right track? If so, should I jus continue the process by resenting the letter a different method? If I'm on the wrong track with my dispute process someone please correct me and guide me thru... Thanks so much Dean
  8. Hey guys I've been rebuilding my credit using the 623 method but I've hit a rough spot and I could really use some help here's my process 1) simple dispute with credit bureau stating the account was not mine (AAA CREDIT SERVICES based out of Anaheim, CA to be exact) 2) The dispute was refused by Experian because I forgot to include my social security number on my dispute. however they erased the little information they had and left N/A under nearly all over the account (scratching my head) Trans union updated the information so they say but I didn't see anything different Equifax didn't investigate bcuz I forgot to include my social as well 2) After receiving those results I went on and sent a debt validation CMRR to the above mentioned collection agency. 3) no reply from the collection agency so I sent a nice package of all the copies I had of all the return receipts signed for by each credit burea and each credit bureau report with the above mentioned account, I made copies of the return receipt signed and a copy of the debt validation letter I sent, a copy of my drivers license and a last but not least I sent them a nice 623 letter demanding investigation of this item however this time the collection agency won't sign for the CMRR and thus refuses the letter. If its returned to me what should I do next? My initial plan (if they wud have signed for it) was to wait thirty days and then file a FTC complaint, BBB complaint, and send an ITS letter After 15 more days actually file the suit with my local court house and jus bring all the information I have Am I on the right track? If so, should I jus continue the process by resenting the letter a different method? If I'm on the wrong track with my dispute process someone please correct me and guide me thru... Thanks so much Dean
  9. Thanks for all the information as I'm in the beginning process of trying to get Verizon off my credit reports. Would you mind sending me the contact information for who you dealt with at Verizon? I also had a question in terms of Verizon not responding to your 623 letter within 30 days...isn't that a violation in itself or maybe I misinterpreted what the law is on that. When Verizon responded to your BBB complaint . How did you rebuttal? Through a specific contact or through the BBB (I'm saying before someone from Verizon contacted you asking for proof) Was this persons contact provided through directly by the BBB or did you have to rebuttal through the BBB and eventually someone from Verizon called you? Thanks so much

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