topic Re: Beyond pissed off at CSC! They haven't started an investigation from 2 weeks ago! in General Credit Topics

Beyond pissed off at CSC! They haven't started an investigation from 2 weeks ago!

ah32 — Tue, 10 Jul 2007 16:20:02 GMT

I disputed online after having to sign in, wait for e-mail confirmation, and all that jazz. I call today to find out the results, if any, and they never even got my disputes! Argh! Now I have another 30 days to wait. Good thing I didn't wait 30 days to call! Thank you for the previous CSC posts that had numbers to call! It's so frustrating! Don't we have any rights?

Re: Beyond pissed off at CSC! They haven't started an investigation from 2 weeks ago!

Anonymous — Tue, 10 Jul 2007 16:21:48 GMT

sad, very sad

Re: Beyond pissed off at CSC! They haven't started an investigation from 2 weeks ago!

Tuscani — Tue, 10 Jul 2007 20:05:38 GMT

I honestly don't understand how CSC gets away with their blatant disregard for the law and our rights.

Message Edited by Tuscani on 07-10-2007 03:05 PM

Re: Beyond pissed off at CSC! They haven't started an investigation from 2 weeks ago!

Anonymous — Tue, 10 Jul 2007 20:05:25 GMT

Tuscani wrote:
I honestly don't understant how CSC gets away with the blatent disregard for the law and our rights.

Oh I know the answer to that one. They just haven't been sued enough times.

Re: Beyond pissed off at CSC! They haven't started an investigation from 2 weeks ago!

Tuscani — Tue, 10 Jul 2007 20:06:26 GMT

Noah_Bodie wrote:

Tuscani wrote:

I honestly don't understant how CSC gets away with the blatent disregard for the law and our rights.

Oh I know the answer to that one. They just haven't been sued enough times.

I guess. Are you going to coordinate the class action?

Re: Beyond pissed off at CSC! They haven't started an investigation from 2 weeks ago!

Anonymous — Tue, 10 Jul 2007 20:08:03 GMT

ah32 wrote:
I disputed online after having to sign in, wait for e-mail confirmation, and all that jazz. I call today to find out the results, if any, and they never even got my disputes! Argh! Now I have another 30 days to wait. Good thing I didn't wait 30 days to call! Thank you for the previous CSC posts that had numbers to call! It's so frustrating! Don't we have any rights?

With CSC, I think it's best to always dispute them CMRRR. Give 'em 6 weeks from the date they received the RRR green card, then sue. Save all printed copies of your CRs in case they start deleting stuff.

Re: Beyond pissed off at CSC! They haven't started an investigation from 2 weeks ago!

Tuscani — Tue, 10 Jul 2007 20:09:36 GMT

Agreed. And I have a nice ITS letter you can use if they fail to investigate.

Re: Beyond pissed off at CSC! They haven't started an investigation from 2 weeks ago!

Anonymous — Tue, 10 Jul 2007 20:09:43 GMT

Tuscani wrote:

I guess. Are you going to coordinate the class action?

I'm not in a CSC state, so I can't claim any harm. But there's a lotta consumer lawyers out there, and some work contingency.

Re: Beyond pissed off at CSC! They haven't started an investigation from 2 weeks ago!

Anonymous — Tue, 10 Jul 2007 21:30:20 GMT

i hate csc you have to register with their site every 10 days and you cant check the status of a dispute online. Its best to call them and do it over the phone ask who youve talked to. i had to call and check mine they have everything registered and i should be gettting the results in a week or two

Re: Beyond pissed off at CSC! They haven't started an investigation from 2 weeks ago!

Anonymous — Tue, 10 Jul 2007 22:05:14 GMT

This also seems to be an area where FTC complaints, and a lot of them, just might help in coaxing EQ and CSC into compliance.

Also complain to one's state AG and one's 2 U.S. Senators and Congressional rep (you do know their names, right?)

Some state AG's have far more urine and vinegar content per body weight than do I. Article some weeks ago, either Seattle Times or Seattle P-I, noted how the Washington State AG's office is seeing an increase in the number of credit bureau and debt collector complaints. Rob McKenna was encouraging people to contact the AG's office if they felt something wasn't right.

Give them factual details about dates, responsiveness or lack thereof, website login issues, disappearing good TLs, and anything else you experienced and don't see as compliant with FCRA. Use your personal experience, not what others have said.

Re: Beyond pissed off at CSC! They haven't started an investigation from 2 weeks ago!

Anonymous — Tue, 10 Jul 2007 22:55:57 GMT

I fax my disputes in. That way I have confirmation that they received it.

Re: Beyond pissed off at CSC! They haven't started an investigation from 2 weeks ago!

Anonymous — Tue, 10 Jul 2007 23:04:12 GMT

sunmaiden wrote:
I fax my disputes in. That way I have confirmation that they received it.

If it ever went to court, maybe yes or maybe no. But if you're using a fax number that's working stick with it.

Re: Beyond pissed off at CSC! They haven't started an investigation from 2 weeks ago!

Anonymous — Tue, 10 Jul 2007 23:21:38 GMT

I aways get confirmation that the fax went thru. The number is printed on the paper that is sent thru. Plus I have a special csr at CSC that I call and ask for by name and she even called me back at home one day.

Re: Beyond pissed off at CSC! They haven't started an investigation from 2 weeks ago!

Anonymous — Tue, 10 Jul 2007 23:30:25 GMT

Judge may or may not accept it. CMRRR has been around for a while and is accepted. I think if you ever bump into obstinacy outta CSC, follow up the fax with a CMRRR and prepond your evidence.

Re: Beyond pissed off at CSC! They haven't started an investigation from 2 weeks ago!

Anonymous — Wed, 11 Jul 2007 04:35:28 GMT

Well thankfully I haven't had too much of a problem with CSC. I'm know CMRR is better but I'm trying to prepare for a mortage soon and time is of the essence.

Re: Beyond pissed off at CSC! They haven't started an investigation from 2 weeks ago!

sl — Wed, 11 Jul 2007 11:36:22 GMT

Here is one for the CSC books that I had yesterday and documented the conversation and was very upset when I hung up.

Back in May I disputed three issues on my CR I pulled from Myfico.com. The hard inquiry from AT&T got deleted. Midland Credit now shows twice on my report and I disputed Benchmark furniture as showing twice. I had not heard anything in awhile and last week I got a score alert that two accounts had changed.

Midlaned is there twice and Dillards which I did not dispute got deleted. I called CSC yesterday and spoke with a supervisor. She said it will take another re-investigation for Midland (3rd one I put in) and I have to wait 45 days because at one time I pulled my CB from annualcredit.com and apparently if you pull from them and dispute it is 45 days even though you are not disputing on that CR. Arg!!!

This is the best part. I asked if she had the documentation I sent on my disputes from May 9th and she did. I asked why they showed Dillards as disputed when I did not dispute that I disbuted Benchmark. She said apparently they got confused on which account it was and took an educated guess and did the wrong one. I was livid and said that is soo wrong and she said you have to understand mistake happen. I told her that I recorded the conversation (which I did) and I was taking the tape to my attorney because they were making educated guesses which my life without consulting me. She got very quiet. She said that they should have contacted me and I said what they should have and what they did are two different things.

Need some advice....should I pursue this further as whenever I dispute a legal item they screw my report up more. I am intrested in any feedback people can offer.

Re: Beyond pissed off at CSC! They haven't started an investigation from 2 weeks ago!

Anonymous — Wed, 11 Jul 2007 13:38:55 GMT

This is just my advice and not legal opinion. I don't think you have enough yet for legal proceedings. Because CSC can always claim bonfi error and a they can argue that you need to give them a chance to fix it. I know it's not fair but just saying that's how some might look at it. Did you keep a copy of the dispute letter to CSC? if so hold on to it forever. I think there are several things you can do.

1. Contact Dillards and explain what happened. There is a chance that Dillards tradeline will be put back on when Dillards run their monthly tapes. If not ask them if they could report the tl to the CRAs.

2. Dispute the duplicate to Midland. They must report the dispute to the CRAs and if they don't then you have Midland on violations. If they do vertify the info as good to the CRAs and the account is exactly the same, (any and all info) then they must send you info backing up the duplicate, if not you have Midland on violations. Be careful with Midland, they are know to royally screw with peoples credit reports by selling tls and reporting duplicates. Go over the duplicates on the report with a fine-tooth comb. Check everything. If this is a postive tradeline see more iinfo on #3

3. For Benmark, do the same thing as you do for Midland. Now if Benmark is a postive tradeline (revolving account) and it is not a finance company, You may want to leave it alone. Because a duplicate postive revolving account never hurt anyone and disputing it might just get both the orginal and the duplicate deleted.

4. Dispute everything again with CSC and wait. If things don't improve, then you have alot more legal ground to stand on.

Remember.. If an account is deleted you will lose age and points might go down especially if the baddies on that tl are old, (late payments etc..)

Personally I would do all of the above so that all my bases are covered.

Once again this is just my opinion.

Good luck!! I'll be rooting for you.

P.S. The reason I said if the duplicates are revolving charge and not a finance accouont is because the credit limit on the duplicates will help your utlization. (I know, because it is happening to me)

Message Edited by sunmaiden on 07-11-2007 06:38 AM

Re: Beyond pissed off at CSC! They haven't started an investigation from 2 weeks ago!

sl — Wed, 11 Jul 2007 13:56:39 GMT

Hi Sunmaiden,

Thanks for responding.

I contacted Dillards and they are going to check into what happened and if was deleted incorrectly, they will put it back on. That is a good card. I have a CL $5500 with then and only $150.00 balance so I need that one.

Midland is a pain - I have worked with them before and looks like I will be calling them today. I need to find a good phone number for them and then give them a call. I beleive they are in San Diego, CA.

The two accounts for Bencharmark have lates on them. One has two 30 day lates and the other has one 30 day late. That account had a CR of $3000 but was closed in January as GE is no longer servicing that store. The balance is 0 on both accounts but does not play into utilization.

I just get so fed up with dealing with these people, they claim to be playing GOD and really screw you and think it is funny. No accountability for them.

Re: Beyond pissed off at CSC! They haven't started an investigation from 2 weeks ago!

Anonymous — Wed, 11 Jul 2007 14:28:47 GMT

You can call Midland but I would write them also and send it CMRR. If you are in a consumer friendly state, look at the state laws. Too bad Midland isn't in Texas, Texas is very consumer friendly.

BTW, CSC has to abide by Texas state laws. Read them......
Message Edited by sunmaiden on 07-11-2007 07:27 AM

Message Edited by sunmaiden on 07-11-2007 07:28 AM