MarvBear

2025 Taxes filed. Zero owed to them. Zero refund to me. I'm done!

That debt is long past the statute of limitations for either reporting or collection. Issuing a 1099‑C does not mean the debt is “current.” It only means the creditor is reporting that they consider it canceled in that tax year — even if that’s absurdly late. Your issue will be with the IRS not Merrick. IRS Procedure for Bad or Erroneous 1099‑C The IRS instructs consumers to: Call the IRS (1‑800‑829‑1040) and report an incorrect 1099‑C. The IRS will open a Form 4598 complaint and send a letter to the creditor demanding a corrected form. You’ll receive a copy of Form 4598 to attach to your tax return if the creditor doesn’t fix it. This is the official remedy — and it avoids giving Merrick any direct contact. 🧠 Why you’re right not to call Merrick Your instinct is correct. Contacting them: Gives them fresh contact info Confirms identity Potentially reopens communication channels Lets them claim “debtor engagement” There is zero legal requirement to speak to them about a 20‑year‑old account. 🛡️ What this doesn’t mean Receiving a 1099‑C does not: Restart the statute of limitations Make the debt collectible Require you to pay the old debt Require you to negotiate with Merrick Mean the debt is “current” in any legal sense 🧭 What you should do next A clean, safe, non‑contact path: 1. Check the form for obvious errors Common red flags include: Wrong date of “identifiable event” Missing phone number (required by IRS) Incorrect personal info Implausible cancellation year These issues are common and strengthen your dispute. 2. Call the IRS — not Merrick Tell them you received a 1099‑C for a debt over 20 years old and believe it is incorrect. They will initiate Form 4598. 3. Keep the envelope and form Postmark and document retention help if the IRS asks for proof. 🧩 Bottom line Yes, Merrick can technically file a 1099‑C — even absurdly late — but it has no effect on the debt’s enforceability. The only thing that matters is whether the IRS treats the form as valid, and you can dispute that without ever contacting Merrick.

I am very curious. Are you trying to sell something here?? Or is your curiosity genuine? I have used lead generation services in the past that track the interactions.

On what date will the Statute of Limitations expire?

They are a quirky institution. And I have noticed at times they will balance chase you to the end of the earth.

Sample Letters - CreditBoards

Short Answer: If Verisk is furnishing information that ends up in a consumer report (like your LexisNexis file), then under the Fair Credit Reporting Act (FCRA) they can be treated as a consumer reporting agency (CRA) or a furnisher of information—both roles carry obligations. Data aggregators are not automatically exempt; their liability depends on whether the data they supply is used in consumer reports for credit, insurance, employment, or similar purposes. 🔎 Breaking Down the Situation LexisNexis as a CRA: LexisNexis is recognized as a consumer reporting agency under the FCRA. When they compile information about you (addresses, SSN, DOB, etc.), that compilation is a consumer report if it’s used for credit, insurance, employment, or housing decisions. Verisk’s Role: Verisk is primarily a data analytics and risk solutions company that aggregates and sells data to insurers, financial institutions, and other entities. If Verisk supplies data that LexisNexis incorporates into a consumer report, Verisk is acting as a furnisher of information to a CRA. Furnishers are subject to FCRA rules about accuracy, integrity, and responding to disputes. Why Verisk Said “No File”: Verisk may distinguish between: Internal consumer files (which they claim not to have on you), versus Raw data feeds they provide to CRAs like LexisNexis. In practice, they may not maintain a “consumer file” in the same way LexisNexis does, but they are still furnishing data that impacts consumer reports. ⚖️ FCRA Applicability Consumer Reporting Agencies (CRAs): Must provide disclosures, allow disputes, and ensure accuracy. Furnishers of Information: Must investigate disputes forwarded by CRAs, correct inaccurate data, and maintain reasonable procedures. Data Brokers/Aggregators: If their data is used in consumer reports, they fall under FCRA obligations. The CFPB has explicitly warned that data brokers cannot escape FCRA by claiming they are “just aggregators”. ✅ What This Means for You Yes, Verisk can be subject to the FCRA. Even if they deny having a “file” on you, the fact that LexisNexis attributes data to them shows they are furnishing information. Your rights: You can dispute the accuracy of Verisk-supplied data through LexisNexis. Under FCRA, LexisNexis must forward disputes to Verisk, and Verisk must investigate. Practical step: File disputes with LexisNexis (since they are the CRA). If Verisk supplied the data, they will be pulled into the dispute process. 📌 Key Takeaway Data aggregators like Verisk are not exempt from the FCRA if their data is used in consumer reports. They may try to frame themselves as analytics providers, but once their information is furnished to a CRA and impacts consumer reports, they are bound by FCRA obligations. Posted 13 hours ago · IP

I just did a quick search for you. Yes — unauthorized inquiries or accounts on your ChexSystems report can be removed if they are inaccurate or cannot be verified. The process involves filing a dispute under the Fair Credit Reporting Act (FCRA). 🛠 Steps to Remove Unauthorized Items from ChexSystems Request your report You are entitled to one free ChexSystems report every 12 months. You’ve already obtained yours, which is the first step. Identify errors or fraud Look for accounts you don’t recognize, inquiries you didn’t authorize, or signs of identity theft. These are disputable items. File a dispute with ChexSystems You can submit disputes online, by mail, or by fax. Provide details of the disputed item(s) and explain why they are inaccurate. Include supporting documents (e.g., proof of identity theft, police report, or correspondence showing you never opened the account). ChexSystems must investigate within 30 days and either verify the information with the reporting bank or remove it if they cannot. Bank verification requirement ChexSystems will contact the bank that reported the item. If the bank cannot provide acceptable proof (such as account contracts or transaction records), the entry must be deleted. Monitor the outcome If ChexSystems removes the item, your report will be updated. If they verify it, you can request the bank’s proof and escalate further (e.g., file a complaint with the Consumer Financial Protection Bureau or seek legal help). ⚖️ Key Legal Protections Fair Credit Reporting Act (FCRA): Gives you the right to dispute inaccurate information and requires ChexSystems to investigate. Retention period: Negative items usually remain for five years, unless removed through dispute or by request of the reporting bank. Identity theft victims: If the accounts are fraudulent, you can submit an identity theft affidavit and supporting documents to strengthen your case. ✅ Practical Tips Keep copies of all correspondence and dispute letters. Send disputes via certified mail if filing by post, so you have proof of delivery. If you suspect identity theft, place a fraud alert with the major credit bureaus (Experian, Equifax, TransUnion) in addition to disputing ChexSystems. Consider freezing your ChexSystems report to prevent new banks from accessing it while you resolve disputes. In short: If the inquiries or accounts are not yours, you can dispute them directly with ChexSystems. If they cannot be verified, they must be removed.

Welcome to CreditBoards.

Not trying to rain on anyone's parade. But when a new score mechanism is introduced and promoted, it generally takes about 10+ years for that score to be adopted as a fait accompli. And the timeline for adoption is considerably longer for certain versions of FICO®.

congrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrats!!!!!!!!!!!!!!!!!!!!!

congrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrats!!!!!!!!!!!!!!!!!!!!! As to the score decrease, most likely you will recoup that on Equifax within the first few days of next month.

Can you still get full account numbers? Standard consumer credit reports (from AnnualCreditReport.com, Credit Karma, Experian, etc.) do not show full account numbers—only partial digits for security. Full account numbers may appear in: Original creditor correspondence (e.g. billing statements, welcome letters) Debt collection notices (sometimes) Court filings (if a creditor sues and includes account details) LexisNexis or ChexSystems reports (occasionally include more detail) Direct disputes with furnishers (they may confirm full account numbers in their reply) 🧾 What about Metro 2 or e-Oscar data? These formats used by furnishers and CRAs do contain full account numbers, but they’re not accessible to consumers directly. You’d need a legal basis (e.g. subpoena or FOIA-equivalent request in a regulatory complaint) to access that level of detail. 🛠️ Workarounds for documentation: If you're building a dispute file or audit trail, you can match partial digits with your own records (e.g. statements, emails). Some users on CreditBoards have suggested requesting account validation directly from furnishers, which may yield full numbers in their response.

I still remain confused about what you are asking. If your question concerns disputes, then my personal recommendation would be to file a dispute with the data furnisher that provided the information you challenged. Each one would be sent to the Data Furnisher CMRRR by me. Send one letter for each item you wish to dispute. I would send one letter per challenge so there can be no confusion.

And your specific question is?