First Premier Option/Advice....Help with plan of action

[bxfinestcocoa]

Okay so I am so close to getting the last two baddies of which is First Premier back in 2007 I remember being pre-appoved etc.. but I then moved to New jersey and some crap about if you move to NJ it activates the card etcc.... ok so of course all these fees were tacked on and we know the rest. Now I lived in NY at the time. I have been doing some searches and saw that there was a lawsuit against FP in NY about there lending practices. I called them up to see who has the debt they said that they still have the debt, but I remeber receiving a letter in the mail from Jeffersons Capital about a fresh start program I never responded becasue there was other things I was woking on and wanted to deal with FP last since they are the hardest. Here is how they are reporting on Myfico under my old married name and an incorrect address:

Profile

COMPANY First Premier First Premier Bank First Premier Bank
LOAN TYPE Credit Card Credit Card Credit Card
ACCOUNT NUMBER - XXXXXXXXXXXX XXXXXXXXXXXXXXXX
ACCOUNT HOLDER Individual Individual Account Individual
DATE OPENED May, 2008 May, 2008 May, 2008
Status

STATUS DATE Sep, 2012 Dec, 2010 Dec, 2010
CONDITION Not Updated Closed Closed
LAST ACTIVITY Aug, 2008 Jun, 2008 Not Available
BALANCE $485 $485 $485
STATUS Charge-off Charged off as bad debt Unpaid balance reported as a loss by credit grantor
Payment Timeline


9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8

2010 2011 2012
History


LATE 30 DAYS 1 time 0 times 1 time ()
LATE 60 DAYS 1 time 0 times 1 time ()
LATE 90 PLUS DAYS 26 times (Nov 2010, Oct 2010, Sep 2010) 0 times 5 times (Dec 2010, Oct 2009, Feb 2009, Jan 2009, Dec 2008)
WORST DELINQUENCY Bad debt/collection None Reported Collection
HIGH BALANCE - $485 -
Terms and Remarks

TERMS - - Revolving
SCHEDULED PAYMENT - - -
CREDIT LIMIT $300 $300 $300
REMARKS Charged off account

Unpaid balance charged off

-

Profile


COMPANY First Premier First Premier Bank First Premier Bank
LOAN TYPE Credit Card Credit Card Credit Card
ACCOUNT NUMBER - XXXXXXXXXXXX XXXXXXXXXXXXXXXX
ACCOUNT HOLDER Individual Individual Account Individual
DATE OPENED Nov, 2007 Nov, 2007 Nov, 2007
Status

STATUS DATE Oct, 2014 Oct, 2014 Oct, 2014
CONDITION Open Open Open
LAST ACTIVITY Jul, 2008 Jun, 2008 Not Available
BALANCE $462 $462 $462
STATUS Charge-off Charged off as bad debt Unpaid balance reported as a loss by credit grantor
Payment Timeline


11 12 1 2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10

2012 2013 2014
History



LATE 30 DAYS 1 time 0 times 1 time ()
LATE 60 DAYS 1 time 0 times 1 time ()
LATE 90 PLUS DAYS 39 times (Sep 2014, Aug 2014, Jul 2014, Jun 2014, May 2014, Apr 2014, Mar 2014, Feb 2014, Jan 2014, Dec 2013, Nov 2013, Oct 2013, Sep 2013, Aug 2013, Jul 2013, Jun 2013, May 2013, Apr 2013, Mar 2013, Feb 2013, Jan 2013, Dec 2012, Nov 2012, Oct 2012, Dec 2011, Nov 2011, Oct 2011) 0 times 4 times (Oct 2014, Sep 2014, Oct 2012, Jan 2012)
WORST DELINQUENCY Bad debt/collection None Reported Collection
HIGH BALANCE - $462 -
Terms and Remarks

TERMS - - Revolving
SCHEDULED PAYMENT - - -
CREDIT LIMIT $275 $275 $275
REMARKS Charged off account

Unpaid balance charged off

-
So my questions is how do I attack this? Do I use the NY lawsuit as grounds for removal? State this isn't mine? Get it removed on the grounds that it is reporting different and inaccurate across all three credit bureaus, (623) dispute with the credit bureaus directly. Disputing with them directly they want me to fill out an affidavit and police report. (I don't want to do that if I really do have an account with them) this was over 7 years ago so I do not remember. Or do I wait till they fall off? I don't want to wait either I would like it clean by december. Pls Help any advice would be helpful. Thanks in advance

[RobertEG]

 I would recommend sending them a direct dispute to place on record your assetion to them that you dont have a legit account, and to get their investigation and response.

You may very well receive a verification of accuracy of their reporting, which would be adequate response to your dispute.

Neither the direct nor the FCRA dispute process requires them to document or prove their finding of verification, but you at least take the necessary step of first disputing the accuracy.

Next step will be to contest the actual facts.

Two ways appear to be appropriate.

If there is clear case law applicable to your situation, you could handle by way of complaint to the CFPB, asserting their continuance of an improper acts.

If the facts may need some interpretation of additional evidence, that is wha the courts are for.  Consider bringing civil action to get the matter resolved.

[Anonymous]

Research the 2008 FTC suit against FP's parent company, Compucredit for their shady marketing practices. I believe it just this sort of thing the suit was all about.

[bxfinestcocoa]

Quick Update I went the 623 route via email and both was deleted :-)

[Anonymous]

Nice! Always good to see First Predator kicked to the curb.

[Anonymous]

May I ask, what is a 623? Thank you

[gdale6]

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@Anonymous wrote:

May I ask, what is a 623? Thank you

---

A direct dispute with the creditor as allowed under section 623 of the FCRA.

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Direct-dispute/td-p/2309095

[Anonymous]

Thank you