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Asset Acceptance - no response to PDF

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lovinmyfico
Contributor

Re: Asset Acceptance - no response to PDF

The DOFD was in August 04, but AA refuses to have it removed. 

 

Here is how it is currently reporting on EX

 

Address:
 PO BOX 1630
  WARREN, MI 48090
 (800) 614-4730
Account Number:
3832.... 
Original Creditor:
PUBLIC SERVICE ELECTRIC GAS
 

Address Identification Number:
  0019964348
 

Status:
Paid,Closed.
 
 

Date Opened:
10/2008
Date of Status:
03/2010
Reported Since:
12/2008
Last Reported Date:
03/2010

Type:
Installment
Terms:
1 Months 
Monthly Payment:
$0
Responsibility:
Individual 

Credit Limit:
$203
High Balance:
N/A 
Recent Balance:
N/A
Recent Payment:
N/A
 

Account History:

Collection as of Dec 2009 to Feb 2010, Sep 2009, Aug 2009, Jun 2009, Apr 2009, Jan 2009, Dec 2008
 
Balance History:
02/2010 $213
01/2010 $212
12/2009 $211
09/2009 $210
08/2009 $209
06/2009 $208
04/2009 $207
01/2009 $205
12/2008 $204
11/2008 $204
 

Limit High Balance History:

The original amount of this account was $203
 

Your Statement:

Y ITEM DISPUTED BY CONSUMER
Account information disputed by consumer (Meets requirement of the Fair Credit Reporting Act).
Message 11 of 15
JaseT
Established Contributor

Re: Asset Acceptance - no response to PDF


@guiness56 wrote:

@JaseT wrote:

@Anonymous Acceptance is on my last nerve. I paid a collection with them back in 2008 (before I knew about PFD) and they continue to report it as 120+ days late with a zero balance. It hits my FICO score hard and I'm fed up with trying to get them to fix it. I need to go to an executive @ AA and get this crap straightened out or I'm going to sue them for reporting violations!  Man Mad


It is legal for them to do this.  The only thing hurting your score is the fact that it is a collection account.  The 120 day late was your worst delinquency as reported by the OC.

 

However, if the debt is paid, it should be closed and they have no reason to continue reporting.


It's being reported as CURRENTLY 120+ days past due. That would not be legal. I found some other reporting violations, such as DOFD. Yesterday I filed a complaint with the ACA. 2 page complaint along with 10 pages of supporting documentation.


BK7 Filed 12/16, Discharged 3/17 *** Current Revolving CL Total $122.1k *** PIF/AZEO
6/19 FICO SCORES:
On My Radar Cards: Nothing ATM
Future Goal Cards: US Bank Cash +, Citi Double Cash, Discover It, BoA Cash Rewards, USAA Cashback Rewards Plus Amex
Message 12 of 15
Anonymous
Not applicable

Re: Asset Acceptance - no response to PDF

Blitz1030--I sent you a pm, would you mind sending me over the exec's info you have at Asset Acceptance? Thank you in advance!!!!!

Message 13 of 15
Anonymous
Not applicable

Re: Asset Acceptance - no response to PDF

Hi

 

I have the same issue now with asset acceptance with the the same company PSE&G untility bill.  I reported Asset Acceptance to the AG,BBB, and  FTc. Asset acceptance is horrible I got no where.  If you are in NJ thery are not bonded to collect.  I have an attorney now who is taking them to court If you want my attorneys contact information pm me. I have a class action lawsuit against them for FDCPA and FCRA violations.

Message 14 of 15
CanOnlyGetBetter
New Contributor

Re: Asset Acceptance - no response to PDF

All I can say is Asset Acceptance is THE WORST CA to try to deal with.  I finally gave up, paid the account and I'm just waiting it out for them to drop off my CRs.  They stink!Smiley Mad


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Current Score: TU: 658 EQ: 661
2011 Goal Score: 750


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Message 15 of 15
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