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Everything posted by Sparty23

  1. My wife had a collection with Convergent for $212 from a comcast bill. They sold it back to comcast and before I could pay it we got a dunning letter from Southwest Credit Systems for the account. My plan was to DV Southwest since we are still within the 30 day period, then pay comcast online. Problem is the account is no longer available to login to. I know I've read about getting something in writing from the CA to not report in exchange for PIF, but I cant seem to find any of those posts now. How do I go about that? Also, is Southwest a JDB?
  2. WhyChat, Still waiting to hear back from EQ on this but I'm wondering if I can dispute a non medical collection at this point? Medical collection is only reporting on EQ and the non medical is only reporting on TU and EX so would I be ok to dispute it? Thanks!
  3. I ended up filing a complaint with the CFPB before I saw your response, and I got notification from credit karma today that both accounts have been deleted. I checked the backdoor for each bureau and they are gone. My first thought is to pay Comcast to prevent the accounts from being resold. Thoughts?
  4. Hey WhyChat, I got the following response from EQ on the CFPB site: Thank you for submitting your complaint on 06/29/2019 through the CFPB Complaint Portal. In your complaint, you indicated there are inaccurate or incomplete items appearing on your Equifax credit report. We initiated an investigation into the items. This process generally requires us to send a request for verification electronically to each of your creditors that reported the information to Equifax, and this can take up to 30 days to complete. Once we receive all of the responses, we will send you a copy of the results and a revised copy of your Equifax credit report. Sounds like they are just validating with the CA again, no?
  5. Are you referring to an arbitration hearing? I'm wondering if they havent properly validated the accounts and if I can file a complaint based on that?
  6. I'm wondering about the laws in Michigan regarding validation.. specifically what is listed below. My question is, Convergent never sent an initial dunning notice, we only found the accounts after checking her reports, so are they still required to provide the information listed? It's the "within 5 days after initial communication..." part that is throwing me off. The only info they provided was the amounts and the name of the OC. Sec. 918. (1) Within 5 days after the initial communication with a consumer in connection with a collection of a debt, a collection agency shall send the consumer, unless the following information is contained in the initial communication or the consumer has paid the debt, a written notice containing all of the following information: (a) The amount of the debt owed. (b) The date the communication was sent to the debtor. (c) The name of the creditor to whom the debt is owed. (d) A statement specifying that unless the consumer, within 30 days after receipt of this notice, disputes the validity of the debt, or a portion of the debt, the debt will be assumed to be valid. (e) A statement specifying that, if the consumer notifies the collection agency in writing within 30 days after receipt of this notice, that the debt, or any portion of the debt, is disputed, the collection agency shall obtain verification of the debt or a copy of a judgment against the consumer and that a copy of the verification or judgment shall be mailed to the consumer by the collection agency.
  7. Just wanna clarify, I'm sending the follow up dispute from this page: https://whychat.me/ltrcavalhipaa.html#DISPUTE And adding this paragraph to it: "I reserve the right to take further action including filing appropriate complaints with the OCR on HIPAA violations and the (name of your State)'s Attorney General under the penalty rules of the Omnibus Final Rule(09/23/2013) interpreting and implementing provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 (HITECH Act), ( your State) 's consumer protection agencies, the BBB and to take civil action to recover damages. Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on “Abusive” Acts or Practices. ( Section 1031 of the Dodd-Frank Act )"
  8. Whoops, I see now that it's the follow up dispute.
  9. Hey WhyChat, How does this sound for the CFPB complaint? On 4/30/19, I filed a proper dispute on an unknown medical account # 266xxxx with CBM Services Inc. On 5/30/19, I contacted CBM Services Inc with a dispute and request for validation on this unknown medical account as per instructions from Equifax. On 6/5/19, it re-disputed with Equifax and included a copy of my dispute/validation letter to CBM Services Inc along with proof of receipt of the dispute. Equifax refusal to properly investigate is a violation of the FCRA and FACTA. Also, when I send the copy of the CFPB complaint to EQ with a dispute, do I use the initial dispute? With the HIPAA verbiage added of course.
  10. I cant access the backdoor for EQ for some reason. None of the verification questions ever apply to me so I end up selecting 'none of the above' for all 4 questions and then it wont let me go any further. The snail mail response i got from EQ does say "consumer disputes this account information. Collection account"
  11. Sorry for the delay responding here... I did end up sending Convergent a DV for each of the accounts. Took a couple weeks, but they responded to both saying they are valid and included 2 comcast bills dated 5 months apart, which doesnt make any sense to me. I dont see how someone would have two accounts with outstanding balances in that short of a time frame. Also the comcast bills they sent both have larger balances than what is reporting on her reports. I also contacted Comcast, got my call escalated a couple of times and ended up having 2 tickets opened for comcast to research the accounts. They never got back to me, so I followed up and was told via chat that the tickets are closed and the balances are both owed. No actual explanation for any of the questions I asked them. Could I file a CFPB complaint for this? They're legitimately not her accounts and I've essentially been told "you need to pay these" by both companies. TIA
  12. WhyChat, I remembered from earlier in the process after the initial disputes were sent, you told me to go ahead and check the Experian results online, so I checked the results just now and they deleted my last medical account. So at this point it looks like EQ has verified the last account. Where should I go from here? Thanks!
  13. In the last 2 hours, I got two emails from EX. One saying my dispute has been opened, and the second one saying my dispute is completed. I didnt click to view results.
  14. Yes I sent the follow up dispute to EQ and EX, and sent a medical DV for both bureaus in the same envelope to the CA.
  15. Sorry, I should have clarified, the account is also showing on EX, who I havent heard from after sending the follow up disputes. In the letter from EQ, it does show they updated the 'additional information' section of the tradeline to read "consumer disputes this account information. Collection account."
  16. Update: - Sent medical DVs to the CA 5/30, should have been delivered 6/1 although I never got confirmation. - Sent follow up disputes to the CRAs 6/5, both were delivered 6/7. So far I havent received anything from the CA. Today I received a letter from EQ dated 6/13 saying that "the information you disputed has been verified as accurate". Not sure what my next step is, or if maybe I need to wait longer? Thanks!
  17. Ok, it is indeed a PO box and I sent it priority mail with proof of delivery only. So do I print the page and include it with the follow up disputes, even though it still shows 'in transit' rather than 'delivered'?
  18. Hey WhyChat, I sent my medical DVs to the CA on 5/30, scheduled to be delivered 6/1. When I go to the tracking page, I see it arrived at the post office in the city the CA is located on the morning of 6/1, however the tracking hasnt been updated since. It still just says 'In Transit'. Think I should go to the post office and see if they can track it down?
  19. No, this is a CA reporting a paid utility bill. I paid the OC about 6 months ago and I was sending goodwill letters to the CA before I started the HIPAA process.
  20. Ok sounds good. Am I OK to send a goodwill letter for a non-medical collection, or should I wait until the HIPAA process is complete?
  21. One last question.. there is a report number showing on the back door page. Should I use that, or the "old" report number as discussed before?
  22. Got it 👍thanks for your patience, just dont wanna screw it up
  23. Ok, so I will.. 1) print the back door page and circle the account in red 2) include a copy of the "old" report (that does not show the account) and the back door page with the follow up dispute 3) include the new verbiage in the follow up dispute, referencing the collection account #, and the "old" EX report number Sound right?
  24. No, I've only seen the account on the EX backdoor. I dont have a physical copy of an EX report that shows the account.
  25. Yes, I have the account number from my TU report. Just dont have a report #, or either of the dates.

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