Jump to content

Please consider disabling your adblocker for CreditBoards if you have not already done so.  This site depends on advertising revenue to stay online.


Bolted4Life

Members
  • Content Count

    7
  • Joined

  • Last visited

  1. the all pro bail bonds is identity theft. both of them. and i think i know who it was, someone close to the family. I think somehow they used me as a co-signer. Also this person happens to live in city where i know NO ONE ELSE. yet somehow an address in that same city shows up as a address on my credit report. . 😡 the Aladdin bail bonds is... one time my girlfriend went to jail drunk in public. LMAO this was 2008 but here is the catch... that account is not showing on my credit report. When I asked for a validation.. Aladdin sent me the validation not only for the account showing on my credit report... but also another account. 2009 that has a small amount $322 The account that shows on my credit report is from 2014 and it is for $1258. The fact that the CA sent 2 letters with account info tells me 1 or 2 things... #1 he is confused and does not know what account is which. #2 he wants to flex and show me he can still TRY to collect on me for the old account also.
  2. Still trying to wrap my head around what I should concentrate on first…. So typing this all out… (be it a little repetitively) is helping me out a lot. The CA’s/OC’s who have gone ghost are: - I should not have to worry too much about these guys.. if they don’t respond or update the CRA it should be an easy deletion. I would think that it would be easy to remove this since I am quite sure it is not mine. All Pro Bail Bonds – This is really not my debt…… No really… I swear… All Pro Bail Bonds - This is really not my debt…. No really… I swear… The CAs who sent back DV responses with inaccurate info or the CAs who are reporting wrong information: * TEMPOE – Wrong Amounts & Wrong Dates. I have proof with statement. * AWA Collections – CA sent a DV for 2 accounts…. CA does not know what one is which. – Only 1 account is being reported TO CRA... Why did they send me 2 notices.. the other notice was from an account where the last payment made was 2009. Reporting on TU and EX I SENT 623s TO THE CA's BELOW! Credit One – Wrong Amount. They took 2 credit card balances and put it on one account in collections Resurgent(TU) > PYOD(EQ) > (Consumer disputes - reinvestigation in progress - Collection account) – CA Received 623 on 8/6 PYOD(EX) I have a feeling Capital One is going to give me a hard time. They have updated only Equifax. But they have all the records.. the account is from April of 2018 so it is still real new. I am trying to figure out if I should bite the bullet and get a settlement going with them… or try some maneuvers. Capital One - $1659 Resurgent(TU) > LVNV(EQ) > (Consumer disputes - reinvestigation in progress - Collection account) – CA Received 623 on 8/6 LVNV(EX) Capital One - $1013 – Resurgent(TU) > LVNV(EQ) > (Consumer disputes - reinvestigation in progress - Collection account) – CA Received 623 on 8/6 LVNV(EX)> The last one is LoanMe… I got a payday loan a while back while we were going through some hard times. Blah blah.. Either way… maybe I should not have sent this DV. I have a feeling I am going to get sued….. They have all the documentation needed and I allegedly owe them $3088. –
  3. EXPERIAN: AWA Collections (TWO JINN / ALADDIN BAIL BONDS) - $1258 I – I got a response from the CA. The CA sent me what he called a “validation”. CA sent me 2 mailings. Each one with my name on it for separate accounts. CA is reaching here and the fact the CA sent 2 letters with 2 different accounts means the CA might be confused. Remarks: Account information disputed by consumer, meets FCRA requirements. – Last Report: 08/03/2019 The 1st account is from 2009 when I bailed out my friend from jail. The documents that were included in the DV response: i. Account Summary ii. Total Premium Amount iii. 6 monthly Payments With Last Payment Date of 5/5/2009 iv. Co-signer information with what looks to be my signature. 😊 v. Payment schedule vi. Statement of charges vii. FDCPA disclosure. (looks bad) The 2nd account had what looks to be the same account that is listed on my credit report. It came with everything the other mailing came with. Account Summary Total Premium Amount 1 Monthly Payment With Last Payment Date Of 5/6/2013 Application for Bail Agreement for Surety Payment Schedule Statement ff Charges Copy of my State ID FDCPA disclosure. (looks bad) LVNV Greenville South Carolina (CAPITAL ONE) $1659 – CA has not responded to my DV request. Remarks: Placed for collection – Last Report 08/06/2019 - CAPITAL ONE > LVNV > PYOD > RESURGENT LVNV Greenville South Carolina (CAPITAL ONE) $1013 – CA has not responded to my DV request. Remarks: Placed for collection – Last Report 08/06/2019 - CAPITAL ONE > LVNV > PYOD > RESURGENT PYOD Greenville South Carolina (CREDIT ONE) $537 – CA has not responded to my DV request. Remarks: Placed for collection – Last Report 08/06/2019 - CREDIT ONE > LVNV > PYOD > RESURGENT
  4. TRANSUNION: ALL PRO BAIL BONDS - $1614 – No response & No update with CRAs (FRAUD) This is not my account I never co-signed or went to jail in 2017. - LAST REPORT 06/11/2019 ALL PRO BAIL BONDS - $454 - No response & No update with CRAs – (FRAUD) This is not my account I never co-signed or went to jail in 2017. -LAST REPORT 06/11/2019 LOAN ME - $3088 I got a letter back from a CA by the name of D. SCOTT CARRUTHERS. In hindsight, I probably should not have sent this DV letter beings that it was only a 2 year old debt. (risky and stupid) LAST REPORT 06/11/2019 An itemized list of the payments I made towards this account and the last payment of 10/2017. He sent my contract with the original OC. CAs contract with the OC 4. TEMPOE - - $578 - I got a letter back from a CA and not the OC. Name of CA is VANCE & HUFFMAN. (WHY NOT LEASE IT) The CA sent me back a letter with the term “verification” in the wording. It included. a. Lease receipt & Payment Schedule b. Lease Agreement c. A cut and paste photocopy print out that includes I. Charge off Status II. Minimum Term & Max Term III. Lease Cost & Lease Amount IV. Billed Amount V. Total Due VI. Paid VII. Origination Date VIII. First Payment Amount IX. Total # of Completed Payments X. Date of Last Payment This response to my DV from the CA has a lot of wrong information. I was able to login to my old account from years ago and pull my history of payments. I made a screen capture video of me logging in viewing the history of my payments. A few things that stand out is I made payments up to 6 or 7 months after the date they reported + the amounts they are listing are completely wrong almost like they just made it up based on the contract. LAST REPORT: 07/01/2019 5. AWA COLLECTIONS (TWO JINN / ALADDIN BAIL BONDS) - $1258 – I got a response from the CA. The CA sent me what he called a “validation”. CA sent me 2 mailings. Each one with my name on it for separate accounts. CA is reaching here and the fact the CA sent 2 letters with 2 different accounts means the CA might be confused. Remarks: Account information disputed by consumer, meets FCRA requirements. – Last Report: 08/03/2019 The 1st account is from 2009 when I bailed out my friend from jail. The documents that were included in the DV response are as follows: a. Account Summary b. Total Premium Amount c. 6 monthly Payments With Last Payment Date of 5/5/2009 d. Co-signer information with what looks to be my signature. 😊 e. Payment schedule f. Statement of charges g. FDCPA disclosure. (looks bad) The 2nd mailing had what looks to be the same account that is listed on my credit report. It came with everything the other mailing came with. a. Account Summary b. Total Premium Amount c. 1 Monthly Payment With Last Payment Date Of 5/6/2013 d. Application for Bail e. Agreement for Surety f. Payment Schedule g. Statement ff Charges h. Copy of my State ID i. FDCPA disclosure. (looks bad) 6. RESURGENT CAPITAL Greenville South Carolina (CAPITAL ONE) - $1659 – CA has not responded to my DV request. Remarks: Placed for collection Last Report 07/01/2019 – CAPITAL ONE > LVNV > PYOD > RESURGENT 7. RESURGENT CAPITAL Greenville South Carolina (CAPITAL ONE) - $1013 – CA has not responded to my DV request. Remarks: Placed for collection – Last Report 08/06/2019 – CAPITAL ONE > LVNV > PYOD > RESURGENT 8. RESURGENT CAPITAL Greenville South Carolina (CREDIT ONE) - $537 – CA has not responded to my DV request. Remarks: Placed for collection – Last Report 08/03/2019 – CREDIT ONE > LVNV > PYOD > RESURGENT
  5. EQUIFAX: LVNV Las Vegas, Nevada (CAPITAL ONE) $1659 – This letter came back to me (RETURN TO SENDER, UNABLE TO FORWARD) – Consumer disputes - reinvestigation in progress Collection account – LAST REPORT: 08/06/2019 - CAPITAL ONE > LVNV > PYOD > RESURGENT LVNV Las Vegas, Nevada (CAPITAL ONE) $1013 – This letter came back to me (RETURN TO SENDER, UNABLE TO FORWARD) – Consumer disputes - reinvestigation in progress Collection account – LAST REPORT: 08/06/2019 - CAPITAL ONE > LVNV > PYOD > RESURGENT July 29, 2019, 10:05 am Forward Expired LAS VEGAS, NV 89119 - --- July 30, 2019, 9:21 am Moved, Left no Address LAS VEGAS, NV 89132 Still unopened. PYOD Las Vegas, Nevada (CREDIT ONE) $537 – This letter came back to me (RETURN TO SENDER, UNABLE TO FORWARD) – Consumer disputes - reinvestigation in progress Collection account – LAST REPORT: 08/06/2019 - CREDIT ONE > LVNV > PYOD > RESURGENT August 2, 2019, 9:40 am Forward Expired LAS VEGAS, NV 89119 ---- August 2, 2019, 10:57 am Moved, Left no Address LAS VEGAS, NV 89132 Still unopened.
  6. Let me give you a breakdown of how my credit looks and where I currently am in the battle. EQUIFAX: LVNV Las Vegas, Nevada (CAPITAL ONE) $1659 LVNV Las Vegas, Nevada (CAPITAL ONE) $1013 PYOD Las Vegas, Nevada (CREDIT ONE) $537 TRANSUNION: ALL PRO BAIL BONDS - $1614 ALL PRO BAIL BONDS - $454 LOAN ME - $3088 TEMPOE (WHY NOT LEASE IT) - $578 AWA COLLECTIONS (TWO JINN / ALADDIN BAIL BONDS) - $1254 RESURGENT CAPITAL Greenville South Carolina (CAPITAL ONE) - $1659 RESURGENT CAPITAL Greenville South Carolina (CAPITAL ONE) - $1013 RESURGENT CAPITAL Greenville South Carolina (CREDIT ONE) - $537 EXPERIAN: AWA Collections (TWO JINN / ALADDIN BAIL BONDS) - $1254 LVNV Greenville South Carolina (CAPITAL ONE) $1659 LVNV Greenville South Carolina (CAPITAL ONE) $1013 PYOD Greenville South Carolina (CREDIT ONE) $537 I sent each CA a DV letter. I sent all DVs first class mail as a small envelope and paid for the postage in PayPal. It includes delivery confirmation (option for a signature $2.00 more). The most I have paid for first class is $3 and some change. I waited 1 or 2 days and sent a dispute to the CRAs letting them know that I was also disputing with the CAs (maybe a mistake)

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×
×
  • Create New...

Important Information

Guidelines