Strange Situation...

[Anonymous]

So I sent the Affadavit to TransUnion on October 27, 2008 and today I get a letter from them in the mail saying that the account was verified and is remaining on my credit report. I mean how much more proof do these people need. Should I send them a MOV?

I am so upset right now, I can not believe that they could possibly verify this account when I sent them an affadavit from the collection agency stating that the account was charged off in 2001 and sold to the first of 5 collection agencies.

Now the collection agency has changed the date opened on the account to 7/2005 a few months ago it was listed as 6/2005. What is even the point of changing stuff like that? Are they just trying to make me lose my mind or what?

[Anonymous]

BUMP!

[Anonymous]

It strikes me that you have more than enough evidence to prove your case. Contact a consumer attorney, and sue them. From all appearances you have solid proof of FCRA & FDCPA violations against the CA and the CRA(s). Sue them.

You should be able to find an attorney to take your case without your needing to pay a retainer. They'll collect their attorney's fees from the lying & cheating defendents.

Good Luck!

ETA: The National Association of Consumer Advocates is a great place to start your search. I don't know if the link is allowed here, but if you google the name, you'll find the link.

Message Edited by LilMirth on 11-13-2008 11:50 AM

[Anonymous]

I would send an ITS letter to the CA for violations of the FDCPA and FCRA - give them 7 days to correct reporting or file suit.

I would send an ITS letter to the CRA for FCRA violations - give them 7 days to remove the item or file suit.

After 7 days from receipt of the ITS letters I would check the credit reports and if the information has not been amended, I would walk to my local courthouse with $110 in my pocket and 2 pieces of information:

- the registered person and address of the CA

- the registered person and address of the CRA

I would file 2 separate suits on two different days:

- 1 against the registered person of the CA for $2,000 for illegally re-aging a debt and incorrect reporting

- 1 against the registered person of the CRA for $1,000 for willful violation of the FCRA for incorrect reporting and faulty investigation

Once filed, I would walk to the nearest US Post Office and send the defendant copies of the suit CMRRR with Restricted Delivery.