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Established Member
Posts: 16
Registered: ‎04-19-2013
0

UNBELIEVEABLE Jefferson Capital Systems Situation!

On April 19th Jefferson Capital acknowledged my police report and identity theft form. They agreed to delete and all three bureaus were clear within 48 hours. All is good....until two days ago. This Jefferson account has resurfaced on my Equifax report only. I called Jefferson and the supervisor told me the account was deleted and no longer exists! How in the world can Equifax report an account that no longer exists??? Anyhow, I called EQ and disputed yet again. I also faxed the police report, identity theft form, AND the letter of deletion from Jefferson Capital. Guys....1. How could this possibly happen? 2. Will it be deleted again? 3. Will it reappear again? 4. Will I recover the 14 points I lost on my FAKO if and when it's deleted again?
Valued Contributor
Posts: 2,371
Registered: ‎03-15-2012
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Re: UNBELIEVEABLE Jefferson Capital Systems Situation!

[ Edited ]

I'm in the same boat. Involved the 605(b) tactic, and wrote a nice letter to the FDIC for their "non compliance."

 

*edit: mine's from Midland.

Moderator
Posts: 22,406
Registered: ‎01-17-2008
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Re: UNBELIEVEABLE Jefferson Capital Systems Situation!

When a creditor sends information to the CRA it is done electronically through a tape or some other media.  It is possible it was not deleted from that media.  Have Jefferson insure it is updated to show the TL deleted.

Contributor
Posts: 100
Registered: ‎04-17-2013
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Re: UNBELIEVEABLE Jefferson Capital Systems Situation!

Burned..

I have a question for you but you don't have private messages enabled...

If i'm hijacking the thread, please just ignore me.. Sorry

 

I originally disputed the tradelines which is still showing in progress (though when i mailed back up information they created a second dispute which came back verified already) So...then I submitted my FTC identity theft form to midland.  (They had a different name, address for the account!) Well, MCM agreed to delete last week. Well, today I got an update from equifax that they not only updated the information, costig me points!, but they( or EQ) added a third dispute to the tradelines?  Is this normal?  Will these two disputes eventually go away and the lines deleted or do I need to take action...

 

Sorry for butting in.. 

Clean up CR for home purchase.Started on 04/16/2013.
04/16/13 EQ 536,TU 537,EXP 552 Lender pull
04/30/13 EQ 602 MYFico.com 05/12/13 EQ 614 / TU 595 MYFico.com
05/18/13 EQ 625 MYFico.com,614TU 5/28 EQ 625 Mid Score 621 TU
05/31/13 EQ 663 MyFico!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Mega Contributor
Posts: 19,814
Registered: ‎03-19-2007
0

Re: UNBELIEVEABLE Jefferson Capital Systems Situation!

[ Edited ]

The proper procedure is to send the identity theft/police report directly to the CRA, which requires them to block the asserted identity theft information from any credit report they issue.  FCRA 605B.  The creditor is not involved in that block, and no dispute or "proofs" are involved.

 

You send an identity theft report to the OC to demand their business records pertaining to the account.  FCRA 609(e).

Receipt of an identity theft report by an OC does not compel them to delete the reported information.  If sent in the form of a request for business records under section 609(e), it gives the consumer the right to all business records in possession of the creditor pertaining to the alleged identity theft information.

 

Sending an identity theft report to a CRA or the creditor is not in the form of a dispute.  The OC can still verify accuracy based on their records.

An identity theft report does not establish factual basis for fraud or identity theft.  It is an assertion by the consumer, supported by their swon statemeent before a law enforcement agency.

Contributor
Posts: 100
Registered: ‎04-17-2013
0

Re: UNBELIEVEABLE Jefferson Capital Systems Situation!

ok.. so why did Midland ask me to send the FTC form to them?  I'm really confused here about what they are doing and what my next step should be...

He said "send the form to me and i'll delete."  

Clean up CR for home purchase.Started on 04/16/2013.
04/16/13 EQ 536,TU 537,EXP 552 Lender pull
04/30/13 EQ 602 MYFico.com 05/12/13 EQ 614 / TU 595 MYFico.com
05/18/13 EQ 625 MYFico.com,614TU 5/28 EQ 625 Mid Score 621 TU
05/31/13 EQ 663 MyFico!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Contributor
Posts: 100
Registered: ‎04-17-2013
0

Re: UNBELIEVEABLE Jefferson Capital Systems Situation!

I actually have it in writing from them requesting the ftc affadavit.  Is that illegal or just against the rules?  What should be my next step?  Did this happen to you?

Clean up CR for home purchase.Started on 04/16/2013.
04/16/13 EQ 536,TU 537,EXP 552 Lender pull
04/30/13 EQ 602 MYFico.com 05/12/13 EQ 614 / TU 595 MYFico.com
05/18/13 EQ 625 MYFico.com,614TU 5/28 EQ 625 Mid Score 621 TU
05/31/13 EQ 663 MyFico!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Mega Contributor
Posts: 19,814
Registered: ‎03-19-2007
0

Re: UNBELIEVEABLE Jefferson Capital Systems Situation!

The debt collector can certainly make their own decision to delete on the basis of reciept of a police report or an FTC affidavit.

Nothing improper in their doing so, but it is not compulsory on their part.

 

Sending it to the CRA ensures that it is immediately blocked from your CR.  No debt collector intevention or deletion is required.

If/when the debt collector also deletes their reporing, it becomes deleted from your credit file, not just blocked from your credit report.

I would still do both.

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