The Dirty Tricks of Reporting Collection Items on your Credit Report - Midland, Portfolio etc

[Anonymous]

Harley ---

Because i am sure, that this is a universal problem - and, I have been succesful challenging both MidalandAssett Management and Equifax, and then with the CFPB --- I will be glad to help you. 

Please PM me your reports directly from the CRA's - not from Karma, or Sesame - and I will be glad to draft your dispute for you. Hide your personal details.

All I ask ---- is that when you get this resolved --- you share your sucessess to show people --- It is simply in the data. 

[Anonymous]

I sent you a PM. I have another collection on my report and it reports TOTALLY different than midland. My date since last late was more than 3 years ago if manually looking at my report if you take midland out of the mix. Midland knocks it down to 26 months because of their reporting.

[Anonymous]

Shared :-)

Please let us all know what happens with your disputes - this is bigger than me - and its only, done by certian larger debt collectors, and they and everyone else should know it. 

[Anonymous]

SO I needed to make sure that everyone - understood my stance on this issue. 

The original creditor - is allowed to share that ONE field - the date for the first delinquency, and of course the Original Creitor. 

In our example, the OC - desnt even exist,. RED FLAG 

In this example - the Deliniquency date - cannot then be verified because, there is no OC - and at time the OC has fallen off. 

This -- in incomplete and then inaccurate reporting --- simple as that. 

Follow this thread so all of the people who see this - got help - and then now understand the devil isin the data - share with you what it is all - really about. 

@thecreditwhispere coming soon......................................

[RobertEG]

FCRA 623(a)(5) details a statutory procedure for establishing a legitimately reportable date of first delinquency by a debt collector under cirecumtances where there is no reporing by the original creditor and the debt collector has made a reasonable effort to contact the OC to get that data.

It is not always all about the data.  Under some circumstances where the factual date cannot be obtained, the law permits the use of reasonable presumption.

[Anonymous]

RobertEG,,,,,just curious,do you work for a debt collector -- or tor?

I think, wellp no I know --that consumers - people like me and  eveyone else - are made to belive that that FCRA guidelines and all that other gibberish,  is all you have to lean on when you go through the journey of credit rehabilitation, write them letters - dispute that ownership - disavow any ownership-- I am here to deleclare its utter bullish - yep bull ish. 

FCRA is a set or rules that govern the folk that submit the data - thats, abuot it.

The governance of what they allow to exist as orphaned, incomplete and then is then - inaccurate tradeline/collection accounts is simply another and then dissiturbing step. 

I can qoute Metro 2 - CDIA, FCRA and all other regulations until the moon comes up next week --- 

What you should not do --- is tell folk that some line in a regulation makes the hijacking of a credit grantor tradelines - assumptable and acceptable. 

You went quiet yesterday - added some logic today -- why --- NOT, help someone sir?

Share your results --- people need information, help and then the simple truth --- 

I challenge YOU, to look at a shared tradeline - and identify whats wrong ---- no FCRA rule allowed, simply look at it and help someone ---

YOU GAME?????

Peace and love..............

[Anonymous]

---

@Anonymous wrote:

@RobertEG,,,,,just curious,do you work for a debt collector -- or tor?

I think, wellp no I know --that consumers - people like me and  eveyone else - are made to belive that that FCRA guidelines and all that other gibberish,  is all you have to lean on when you go through the journey of credit rehabilitation, write them letters - dispute that ownership - disavow any ownership-- I am here to deleclare its utter bullish - yep bull ish. 

FCRA is a set or rules that govern the folk that submit the data - thats, abuot it.

The governance of what they allow to exist as orphaned, incomplete and then is then - inaccurate tradeline/collection accounts is simply another and then dissiturbing step. 

I can qoute Metro 2 - CDIA, FCRA and all other regulations until the moon comes up next week --- 

What you should not do --- is tell folk that some line in a regulation makes the hijacking of a credit grantor tradelines - assumptable and acceptable. 

You went quiet yesterday - added some logic today -- why --- NOT, help someone sir?

Share your results --- people need information, help and then the simple truth --- 

I challenge YOU, to look at a shared tradeline - and identify whats wrong ---- no FCRA rule allowed, simply look at it and help someone ---

YOU GAME?????

Peace and love..............

---

+1.....interesting....

[Anonymous]

Central Financial Control is getting on my nerves. Can you help with them. They reporting " LATE" on my EX

[Onlinecreditnewbie2]

OK --- so I have spent the last 3 weeks trying to get my original account - that was mysteriously locked, unlocked. Unfortunately that account was a posting only account, which apparently is not like the others, soooo..........It's still locked. 

That's not stoppng me though - ans notifications still go to my email :-). 

I am hoping to reach out to all who replied to my original postings....just under this new user ID. 

Kento -- I will be glad to help - please inbox me the raw (from the priginal credit report from the CRA's, and I will give you the details. 

[Onlinecreditnewbie2]

RobertEG - I still, challenge you to take an existing tradeline from a Debt Collector - a sample is above, and then - tell the readers what is wrong with "HOW" its reporting, what it really means - and then how to dispute it.

Lets not delve into FCRA - sadly, the consumers are past the initial complaint steps - its about what DATA is in that system. 

Then - explain why, their reports dont look like the oneEquifax published, well - that is if you can find it. I did - thats what drove me into the world of credit data --- 

Google - Sample Equifax Credit report - select the first result from xxxxxxx.GOV, that one comes from equifax itself - and on PAGE 21 - is what its supposed to look like. Anything else -- is simple garbage. 

If you can some up with a response, help us all uderstand why it is this way for the larger Debt Collection agencies, and then - not for others. 

I think - well, no --- I know, that that data and the way in which it resides, does the intentional infliction of as much damage to the report and score, on purpose. 

Even when you look at it - it seams reasonable - but when you dive into the details of the data - it is all about the data. Simply put. 

1. There is absolutely no default schema in the industry standard Metro 2 file - that simply means their file publishes exactly what it gets - good, bad indeiffrent and with very little validation on the data when it reaches the CRA

2. Any debt collector is asked to "Self Identify", themselves as a debt collector - if they do not - they no longer have 10 fields they can report, with the minimal fields allowed ---- instead they can instead report and provide the Credit Grantors whole tradeline's attribiutes. 

3. As part of any technology product that follows simple, uncomplex SDLC, someone - would have tested the data and ensured that it resulted in expected results. I believe, they get their expected results. 

4. There are millions of consumers, with a debt collector masquarading on their reports, as a Credit Grantor - where credit has been extended - and then, as if this account has been sitting in collections, for years.

5. Even when you pay them - sadly, its still in a state of why does it look like this? My score is down 100 points for 1, or heck 2 tradelines?

I call bullsh&&.