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Just trying to confirm if this information is accurate (I found it in this forum). As I have read here, under the Higher Education Act and FTC 623, any Lates being reported that took place in a time frame covered by a retroactive forbearance should be corrected by the lender who reported that information? Also, is it better to do an online dispute or fax dispute with the CRA's for this? Or should I contact the office of the Ombudsman? Thanks!
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- Student Loan Lates
- Late Payments
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First let me say that it is a pleasure being a part of this awesome community/forum, and I look forward to learning so much from you all. This site has given me renewed hope in my quest to obtain more favorable credit scores! I have only been a member for a couple weeks (newbie) and probably spent 5 hours my 1st day trying to read all the info (not possible). Therefore, I look forward to a long long relationship with creditboards.com. Current Score Situation: EX 596 TU 576 EQ 532 A little background... 1 BKO - Discharged 9/2009 2 Charge Offs - Accounts I did not authorize/open (furniture acct & credit card) 8 Student Loans - Reporting 90-120 (deferment request not processed, their error) 10 Collections - (8 Hospital/ER, 1 Installment, 1 Appliance Warehouse) About the fraud... I have 5 accounts that were opened fraudulently. A police report was filed, also completed an FTC ID Theft Affidavit, sent to all 3 CRA's about 50 days ago. To date all those accounts haven't been blocked. EQ has been the only CRA to respond, in fact EQ said they investigated and determined 3 of the accounts belong to me (not true). I am furious because I don't know what else to do. I would greatly appreciate any advice you all can give me that might be helpful and getting this stuff removed. I will also continue to reading the threads as well. Thanks, Prodigy
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Me likey. http://www.ftc.gov/system/files/documents/reports/data-brokers-call-transparency-accountability-report-federal-trade-commission-may-2014/140527databrokerreport.pdf
- 20 replies
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- FTC
- Data Brokers
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I filed a complaint against EQ with the FTC for their defective “online service” and/or false advertising. I am planning a CFPB complaint against them for a whole different list of reasons, so I wanted to spread the luv and throw one at the FTC that fully falls under their authority. I’m one of those who has never made it to the C* List, and my softs accumulate until my file jams up and I can’t access my report. EQ Consumer Services tells me EQ Information Services has to fix it; EQ Info Svcs tells me EQ Consumer Svcs has to fix it…BOTH tell me it’s my own fault for pulling my report too often. And no one fixes it until I insist on cancelling. You cannot offer a product, and then blame a consumer for the failure of said product, when the consumer is using the product AS ADVERTISED. This is the second round of this issue with EC, and they picked the wrong week to mess with this consumer. Tune in to my next thread: Counterattack on a Payday Loan Scam Artist
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http://www.ftc.gov/ftcinthree/ How and when do I ask questions? FTC staff will start seeking questions online on a Monday for three days, film the answers on Thursday or Friday, and then post the video by Friday afternoon. We feel this is sufficient time each week to promote questions, answer them with staff, film it, and post answers. Generally, we will not host FTC in Three during weeks with a holiday on a Friday or Monday, due to the shortened work week. Twitter Stay up to date on featured staff/topics by following the @FTC on Twitter. Ask questions using the hashtag: #FTC3. Facebook Each Monday, we'll post an introductory comment thread inviting questions on our Facebook page. You must post your comments in the specific thread to participate! We'll keep the featured comment pinned to the top as much as possible. NOTE - the CFPB has taken over The FCRA , you can probably still submit other questions. They are also on Facebook http://www.ftc.gov/opa/socialmedia/facebook.shtm and twitter. http://www.ftc.gov/opa/socialmedia/twitter.shtm
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- FTC
- federal trad commission
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http://consumerist.com/2013/07/09/worlds-largest-debt-collector-to-pay-3-2-million-penalty-for-harassing-consumers/ Thank you Consumerist! Just a few paragraphs: The company will pay $3.2 million to settle these charges, the FTC’s largest ever action against a third-party debt collector. Of course, when you consider that Expert Global took in at least $1.2 billion last year, the penalty is a pittance. There are of course non-financial stipulations to the settlement. Expert Global must stop violating the Fair Debt Collection Practices Act and the FTC Act by falsely representing that it will not call a number to collect a debt, or by harassing, oppressing, or abusing a consumer while attempting to collect a debt. Starting one year after the settlement goes into effect, the company must also record at least 75% of its debt collection calls and retain the recordings for 90 days after they are made. Additionally, if a consumer disputes the validity or the amount of an alleged debt, Expert Global must either close the account and end collection efforts, or suspend collection until it has conducted an investigation and verified that its information about the debt is accurate
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- ALW Sourcing NCO Financial S
- Transworld Systems
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I had an issue with a large company based in Texas that was going nowhere fast. The short story is that they accepted a settlement agreement but then decided not to follow through with one key component and began to give me the run-around after stalling for 2 months. I contacted a local attorney and worked on some verbiage which I sent to them and it was ignored. They stopped returning my phone calls. I filed a complaint with the FTC. They sent an automated response that they would review the situation and that was the last I heard from them. I filed a complaint with the Florida Attorney General (my state), and they responded giving me a bunch of links, including the FTC, and basically telling me they wouldn't do anything to help. Finally I decided to file a complaint with the attorney general in the state where they are headquartered, Texas. Knowing Texas is pretty big on consumer advocacy and running out of options, I figured why not. I received a response within a few days letting me know that they would look into the issue but that I would not hear back from them directly. I for sure thought I was being blown off again. A week passed and I got a call from a familiar area code... the lying sack of poo business above. This person was from executive services and she sounded a little nervous. She deeply apologized for any inconvenience and said they would look into the matter and get it correctly within a few days. Mind you at this point it had been 3 months since the agreement so I wasn't really getting my hopes up yet. A few days later I got FedEx envelope with a copy of a letter that was sent back to a lady with the Texas AG. It basically said that they apologized for the miscommunication (hah!) and that they have taken steps to rectify the issue and had copied me on the resolution. Attached was a copy of release that I had been waiting on for months. I was in total disbelief. I gave it a few days and it still hadn't shown up at my clerk of the courts office so I called executive services. The person seemed skittish again, but assured me that it was filed and gave me a tracking number and told me when/who signed for it. Sure enough, my county was 3 weeks behind in imaging their documents (not to mention took another 3 weeks to process), but they had finally followed through. Long story short - don't mess with Texas.
- 4 replies
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- Texas Attorney General
- CFPB
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Hey all, So I have a really old charge off with First Premier that is still showing a balance due. This debt is well beyond the SOL and has only about 8 months left to report. So out of the blue Istart to get phone calls from First National Collection Bureau out of Nevada. I received two phone calls initially, they were both automated messages, not a real person. The first call I just hung up, the second call I waited to see if I can get someone on the line ( I know not advised ) I found it funny that they have been trying to get a hold of me forever as the recording stated. I finally get someone on the line, they state the debt, I say nothing, then they verify my address, then I say you are not allowed to contact me via any phone number listed and that you need to send any correspondence through US Mail. That was the extent of the phone call. Now I need to say that I have never received any dunning letter or any other form of communication except via the automated calls. It has been 10 days since the initial contact. Here are my questions on violations. Are the automated phone calls a violation? I though I read that somewhere. ( calls were made to my cell ) Don't they have to provide a dunning letter 5 days after initial contact? It's been 10. Since that initial phone call there have been no letters or other attempted phone calls I also I live in Texas. Thanks, D