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Found 23 results

  1. A while back, I waged quite a battle with US Bank over how my account history was being reported. This progressed all the way to the executive office. In the end, they basically told me NO. Despite my providing documentation to prove they were reporting incorrectly. By then, I had been approved for a mortgage on the new house I was purchasing, and I was weary from the fight. I should not have let it go, but I moved on. Fast forward 16 months, and I am again relocating and shopping for mortgages. One of the things the loan office had questions about, of course, was the US Bank mortgage. Ann
  2. I know we have a Chex forum, and I've gotten help from there on a more Chex-specific issue, but this is more about FCRA and CRAs, in general. I want to file a complaint with the CFPB, but before I do, I thought I'd check with the pros. I disputed a misspelling of my first name (it's missing a letter) on my Chex report, and this is how they replied: (Let's say my name is Suzie Qewe.) "In addition, our records indicate that the disputed name Suie Qewe was provided by you in previous contact with us. Therefore, it has been retained in your consumer file. Should you wish ChexSystems to pu
  3. Hello everyone, I am hoping to get some advice on what to do about my student loans. Like most people I didnt take my credit very seriously when I was young and messed up badly with my student loans but earlier this year decided to get my lfie right and fix my credit. One last hurdle is all my student loan lates and I'm wondering whats the best strategy if any to get these removed. I have disputed every way I can think of but cannot get anyone to budge. I have also tried goodwill letters to no avail. Heres what I done so far: Consolidated loans in 4/2014 which closed out loans in question.
  4. Hello, Need help on a possible 611 FCRA violation. 1. Sent a letter to TransUnion on April 15 requesting an investigation and disputing items to correct or delete, got response saying they verified the alleged debt on May 7. 2. Sent a second letter on May 24 requesting a re-investigation and disputing items to correct or delete, also to provide method of investigation, got a response saying they verified the alleged debt on June 10. 3. Sent a third letter CMRR on June 25 requesting under 611 of FCRA to provide detailed information of method of re-investigation including name, addr
  5. I had a checking account with Chase that charged off in 2009, and it was due to a bank error. The Chase ATM malfunctioned and never credited my deposit, yet the check I deposited cleared the account it was drawn on (at BOA) in a timely manner. Long story short, I had to fight with Chase for months, and eventually the CO amount was dropped from roughly $217 to $73. It was NOT a settlement – it was the amount they came up with, after they adjusted for THEIR error. I paid the $73 in March 2013, and it was reported as paid to Chex. (I really don’t think I actually owed anything, but I stopped figh
  6. So far I have been fairly successful in repairing my credit. The PsychDoc Transcripts have been VERY HELPFUL. However, I am a bit confused as to what I can accomplish as far as disputing inaccuracies is concerned. I apologize in advance if this question has been asked before I just can't seem to find the answer! My question is; If the payment amount reported and the date the account was opened is inaccurate on my report, can I request that the CRA remove the negative reporting associated with these accounts? I have 3 "30 Day Lates" that I'm desperate to get removed. If so, do I
  7. I'd really like to hear from the FCRA gurus, particularly those familiar with Texas law. I’m down to the final baddie, a paid charge-off for utilities, and it’s sticking like a fresh strip of Velcro. So I’m making it a game, of sorts, to learn as much as possible while trying to get rid of it. I disputed early w/TU as obsolete, and it's gone. Beyond that, it looks like I may only shave a month off the reporting time elsewhere, but when you’re down to the last 6 months…that helps. And since I’ve tried everything I can try WITHOUT going to the CFPB, they may be the key to an even earlier delete.
  8. Not sure if this is the right forum, but I got my wife's Full File Disclosure today to see what's inside. I was alarmed to see a judgement we had vacated in 2012 was being still reported. It is not being reported on any CRA reports. Do you follow the same dispute procedures with LN that we following with TU, EX and EQ?
  9. Hi Everyone, Okay, I need a bit of help from some of the experts here. I'm in the middle of the usual cycle of nightmares with TeleCheck, and I'm beginning to think I may end up having to take them to court just to get my complete file, let alone fixing their errors. So, I'm trying to put together all of the information I'll need and to make sure I've got my ducks in a row first. I'll mention that I've done a search on the forums but haven't seen anything that's closely comparable to my issue, so hence why I'm asking. If someone knows of another thread where this is dealt with, I'd appreci
  10. Capital One REFRESHED my closed acct! here it is as it's supposed to be Experian: TransUnion: Check this out: Equifax An older report shows the 12/2008 date. I should file against them according to the FCRA about reporting outdated info correct?
  11. I'm new here & apologize in advance for any errors/Mis-Postings. I've also been perusing for a few days & now it is time I chime in. First, I APPRECIATE all your hard work and information available on this site. I'm quite impressed & grateful that there are so many people willing to take the time to help others. THANK YOU ALL FOR THE GREAT JOB :) Anyway, I've rebuilt myself up after my "7-10 year penalty" due to becoming disabled & after a house fire in 2007. Long story short, it took alot of hard work and A LOT MORE PATIENCE/TIME!!! After re-establishing to th
  12. My question. I have an outstanding balance from T-Mobile. This has been on my credit for over 7 years. It has been sold and re-sold. How can I get this charge off of my credit.
  13. I am combing through some trade lines for a Jack attack. The FCRA requires accurate and complete reporting. Does anyone know how "complete" reporting is defined? Is it ok for some or most of the available fields on the CR to be blank? If there is a zero in a field that should have an amount be defined as incomplete? For example, date of last payment from an OC is shown correctly but the amount is shown as zero. That is probably defined as inaccurate, not incomplete, right? Are there certain fields that are mandatory? Happy Holidays everyone!
  14. Hello, I am in the beginning stages of repairing my credit, I have been reading and taking in all of the information available on this site. So far I've triaged my CR's for all 3 bureaus, I've had all incorrect addresses, phone numbers and employers removed from my reports as well as Opted out. Yesterday I sent out DV's to the CA's CMRRR and followed Why Chats HIPPA program for a medical account that is past SOL. Here is where I'm at a lost... Today, I looked over my CR's again and noticed that I.C. System INC is reporting to EX and EQ that an account was opened 11/1/2008 and
  15. http://www.ftc.gov/opa/2013/08/certegy.shtm The FTC’s complaint alleges, among other things, that Certegy did not follow proper dispute procedures. The complaint further alleges that Certegy failed to follow reasonable procedures to assure maximum possible accuracy of the information it provided to its merchant clients, as required by the FCRA. In addition to the allegations described above, the complaint alleges that Certegy violated the FCRA by failing to create a streamlined process for consumers to obtain free annual reports that they are entitled to; and establish and implemen
  16. Hey everyone, I am down to just one baddie on EX and two on EQ, and both are set to fall off later this year. I want to write an obsolete dispute (I've tried it once already-- didn't work with EX and EQ although TU had it off within 24 hours--gotta love them!) but I'd like to quote the section of the FCRA (I think it's the FCRA, anyway?) that delineates the reporting period. I've scanned through but there is so much and I must keep missing it. Can somebody point me in the right direction? Thanks!
  17. If my understanding is correct, when you notify the information furnisher in writing that specific parts of their reporting is inaccurate or false and they fail to update the information, they are then liable under the FCRA? My situation, I notified a JDB in writing via cmrrr exactly 32 days ago from date of receipt, that they were reporting payments I did not make. They have not corrected the information nor have they replied to me. The account was already in dispute with each bureau. It came back verified. Is there anything I can do to get them to delete the entire account? This question
  18. And yet another reason why Pro Se litigators need to do thier homework or hire it out... NEVRIK BERBERYAN v. ASSET ACCEPTANCE, LLC Case No. CV 12-4417-CAS (PLAx). United States District Court, C.D. California. March 18, 2013. Ashley Fickel, Attorneys Present for Defendants. My highlights: ____ In opposition, plaintiff argues that defendant "communicated" with her through its alleged reporting of a debt that appeared on her credit report, but plaintiff offers no authority that supports such an expansive reading of the term "communicated." Opp'n at 6. Defendant must do so
  19. Does anyone know of specific laws and information pertaining to Auto Loans and the FCRA, something similar to the Credit Card Act of 2009. Basically my payment was due to Nissan on 9/10/11, which was a Saturday. My wife made the payment through their automated system on 10/8/11, which they have confirmed and is not 30 days late. However, 10/8/11 was the Saturday of Columbus Day weekend, so the payment was not applied until 10/11/11, making it 31 days late. Is this legal? I know that if this was a credit card I would be protected under the Credit Card Act because the due dates shift to
  20. I'm looking for an attorney who specializes in FCRA laws in So. CA. I have several violations against Portfolio Recovery Associates that I would like to pursue . I checked the sticky post of Lawyers in the main forum, but I didn't see any in southern CA. Anyone have someone they can recommend? Thanks!
  21. Legal minds and non legal minds I need your help. In a current lawsuit a furnisher reported the same tradeline TWICE. It was disputed (both trade lines) FOUR times and VERIFIED FOUR TIMES. Does that constitute "willful non-compliance" The U.S. Supreme Court gave us guidance. I need some help on this one. From SCOTUS "However, the Court adopted a narrow definition of "reckless" and reversed the Ninth Circuit's holding that Safeco had willfully violated the statute. Specifically, the Court held that recklessness involves "conduct violating an objective standard: action entailing an unjustifiab
  22. If a lender dings your report in error, is aware of it, and you only learn about it in the process of being rejected for a loan because of that ding, are there any consequences to the lender? I feel as if somewhere in the FCRA there must be some guideline about a lender who realizes he dinged a credit report in error needing to notify the debtor or take some remedial action to correct it without waiting for the error to be discovered by the consumer.
  23. I was looking into a consolidation loan at my CU and the guy told me I show 120 days late on my CR which is ironic since my monthly payments are automatically drawn from my CU checking account and he was staring right at the trail of on-time payments. I'd actually, in December, gotten a demand letter from Direct Loans (the education loan folks at Department of Education) saying I'd continually failed to make payments -- I contacted them via secure message to their web site on 1/8 and got a reply three days later saying they had high volume and would get back to me as soon as possible which th
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