DCY030

So I was able to triage the issue and eliminated "Third Party Credit Freez Alert" that was preventing account opening. it has been discussed here before. I will cite the threads here for future reader to circumvent or navigate the challenge of CU denials citing Chex when Chex is not actually frozen. Second Thread is : This place is a repository of wealth.

TU was not frozen. Only LN was frozen along with SageStream. I lifted the freez today. I asked Jovia but they had no clue, I will contact them again.

Anyone with any insight into how to address this? @shifter or any other experienced members!

Hello, I applied for membership after unfreezing TU. They pulled Chex but I dont see a SP on TU. Chex Score is 677 with 4 INQ in last 18 months, and fifth one is from Jovia. I rember an old thread where someone ran into similar issue. I reached out to Chex but they have no clue. For ref, LN is frozen. I got an AAN with following citation." Score: 9995 Score Date: 2024-10-24 The principal reasons that influenced this decision are: - Third-party security freeze alert To contact ChexSystems, you may use one of the following methods: - Visit their website: www.chexsystems.com - Call their Voice Response Unit: 800-428-9623 - Send mail to: ChexSystems, Attention Consumer Relations, PO Box 583399 Minneapolis, MN 55458"

Understood, thank you!

LVNV has an arbitration clause, but not the OC who sold the debt. Can a LVNV arbitration be invoked since they now own the debt?

Bump!

Update; The firm has withdrawn the matter. The file is returned to Midland. Is it recomemnded that he reach out to the CA to negotiate a PFD? They cannot sue him in NY due to the expired SOL.

In 2022, NYS adopted the new law that reduced SOL from 6 years to 3 years. https://www.nysenate.gov/legislation/bills/2021/S153 In 2022, NYSAG sent a letter to Debt Collectors highlighting compliance with newly passed law. https://ag.ny.gov/sites/default/files/2022.03.23_-_debt_collector_letter_re_reg_f_ccfa.pdf

In my state SOL is 6 years. Plaintiff is using the old address to sue the Defendant using a 6 year SOL. But Defendant now lives in NY, hence that SOL applies to him.

Is there a timeframe requirement for how long a defendent had moved out from the address? LVNV cannot sue them in NY because SOL is 3 years in NY and it has expired. The particular person has also changed their address with the creditors before the service.

A family friend had a Andrews FCU debt that was soild to Midland Funding. MF is now suing him and left the summons on my door steps. The Family Friend has moved to NY overa year ago. Do I have any legal obligation to inform the family frined or tell the court? Can they just leave summons at the door step without actually handing to an adult? What should be the right course of action for him?

I did not have VZW email, but I did mail the VZW Fraud determination to ERO by snail mail to Basking Ridge. Lets see what happens.

This is exactly what I told them. I have been trying to get it fixed through Verizon Executive Relations Office. I filled a complaint with BBB and VZW EO came back and told BBB that account was not fraudulent. The EO office also lied about contacting me. While all this was going on with EO, I produced a police report and the individual admitted to fraud. VZW then determined that it was in fact a fraud and execused me from the liability. I now have two letters from VZW ceritifying that it was a fraudulent account. Since VZW EO told BBB that it was not fraudulent account, the VZW Recovery Dept now dont want to go against EO. They are telling me that EO is above us. I will upload the image of the BBB and Fruad Dept letter for your review.

Furnisher is Verizon, the OC. I would like to give one more shot to VW on retracting its reporting. It will save me all the hustle and I will avoid dispute risk all togather. I will call VW Fraud to ask them if they have a more faster procedure in place to retract reporting. I will come back and report on the call.