topic Re: Help removing State Tax Lien - CFPB complaint in General Credit Topics

Help removing State Tax Lien - CFPB complaint

Anonymous — Thu, 18 May 2017 17:29:50 GMT

Hello,

I have a state of GA tax lien I am trying to get removed from my report. Ive researched that a lot of people have had success going through the CFPB. Can anyone tell me what you included in your complaint to have success? Some have said they simply attached documentation showing they were no longer delinquent. While others have shown the lien was in error. My lien is not exactly in error, although I dont recall ever receiving notice about the possibllity of a lien. I will state that but the lien has since been paid and released and reports reflect that. Any help is appreciated! Thanks!

Re: Help removing State Tax Lien - CFPB complaint

Anonymous — Thu, 18 May 2017 17:37:13 GMT

Try a CRA dispute as "not a consumer credit transaction" -- I haven't done this yet but others have said it worked great.

Experian appears to delete tax liens on any dispute. You could probably dispute as "I had a turkey sandwich" and EX probably will delete the TL.

Re: Help removing State Tax Lien - CFPB complaint

Anonymous — Thu, 18 May 2017 17:42:24 GMT

This could be of interest to you. give it a read http://blog.myfico.com/upcoming-data-purge-fico-scores/

Re: Help removing State Tax Lien - CFPB complaint

Anonymous — Thu, 18 May 2017 17:54:03 GMT

Lol I forgot to add I did try to dispute Online last year. Don't think I used that reasoning though.

Re: Help removing State Tax Lien - CFPB complaint

Anonymous — Thu, 18 May 2017 17:59:25 GMT

This was the best article I've read explaining the new rule, I've heard about the new rule but disnt quote her if it would help me. I guess my only issue now is the part that says " previously reported tax liens and/or civil judgments that do not meet the new reporting requirements will be removed from the credit file." I'm not sure if my lien fails to meet the new requirements. My scores are 689EX/719TU/703EQ so they're not horrible. But we're trying to buy a house in September so idk if I should wait or jump on this complaint.

Re: Help removing State Tax Lien - CFPB complaint

Anonymous — Thu, 18 May 2017 18:00:18 GMT

*excuse typos I'm On my phone

Re: Help removing State Tax Lien - CFPB complaint

Anonymous — Thu, 18 May 2017 18:04:57 GMT

Pt3L -- 700 FICO with a tax lien reporting is still fantastic! Any data points on that lien, such as:

When was it filed?
Was it paid in full and when was that paid?

Re: Help removing State Tax Lien - CFPB complaint

Anonymous — Thu, 18 May 2017 18:11:31 GMT

Tax year was 2010. Long story short I was unemployed and stopped on my payment plan. I actually feel like I paid the debt off in 2012 but I wa a young so I can't find my records. Anywho The notices start coming in sometime in 2015. I paid it off in OCT 2015. it says reported on aug 2015

Re: Help removing State Tax Lien - CFPB complaint

Anonymous — Thu, 18 May 2017 18:12:13 GMT

Didn't know a lien was even an issue because they kept telling me I had until a certain date to pay. I paid before that date.

Re: Help removing State Tax Lien - CFPB complaint

Anonymous — Thu, 18 May 2017 18:13:04 GMT

Id go ahead and do the complaint just in case. Because complaint or no complaint if its eligible to fall off in July it will fall off regard

@Anonymous wrote:
This was the best article I've read explaining the new rule, I've heard about the new rule but disnt quote her if it would help me. I guess my only issue now is the part that says " previously reported tax liens and/or civil judgments that do not meet the new reporting requirements will be removed from the credit file." I'm not sure if my lien fails to meet the new requirements. My scores are 689EX/719TU/703EQ so they're not horrible. But we're trying to buy a house in September so idk if I should wait or jump on this complaint.

less.

Re: Help removing State Tax Lien - CFPB complaint

Anonymous — Thu, 18 May 2017 18:14:52 GMT

Thanks! I think so too!

Re: Help removing State Tax Lien - CFPB complaint

Anonymous — Thu, 18 May 2017 18:17:13 GMT

Best of luck to you!

Re: Help removing State Tax Lien - CFPB complaint

RobertEG — Fri, 19 May 2017 00:39:17 GMT

Paid tax liens do not become an issue for a CFPB complaint until 7 years after the date paid.

Until then, they remain properly included under the provisions of FCRA 605(a), and thus there is no basis for a complaint of violation of the FCRA.

The CRAs are currently implementing their own internal review of tax liens and judgments, with the stated goal under their National Consumer Assistance Plan, of administratively removing any liens or judgments that do not include the miminum identifiers of name, address, and either an SSN or complete date of birth.

The CRAs are expecting to complete their own internal removal of tax liens and judgments that lack the minimum identifiers by the end of July.

I would wait for conclusion of their review before contacting the CRA.

Re: Help removing State Tax Lien - CFPB complaint

Anonymous — Fri, 19 May 2017 00:53:53 GMT

Thanks I've read where some people had success way before the 7 year period.

as a follow up to anyone who reads this thread and wants to look for some language, on the CFBP site you can review public complaints made. Just search for GA DEPT OF revenue (or any other entity) and you can see the complaint, status and a few other details.

Re: Help removing State Tax Lien - CFPB complaint

Revelate — Fri, 19 May 2017 19:22:38 GMT

Speaking from experience, a dispute may not work out in your favor but I've never had any dispute with Experian come out with worse than what I started with.

Also EX can delete and then reinsert the data, I don't have happy experiences with disputing tax liens (well my Cali State one specifically, Fed liens when I was in the right they got airstruck right quick) until recently on TU and that was after much trouble.

I'd wait personally to see if NCAP works, I'm not a favor of trying to save a couple months even with an impending mortgage in September but YMMV.

ETA: actually just thought of something, if you dispute, and they verify, the tradeline can be updated... what happens if it updates with now correct information that will get it kept with NCAP when it might've been excluded previously? Don't dispute, let that idle and possibly broken tradeline get whacked naturally.

Nobody other than consumers likes this change, and basically it is a stick for everyone else to get their acts together and they've had ballpark 18 months to do it... so their reporting standards WILL improve, that much is effectively guarunteed, and you want your data as broken as possible when it comes to exclusion. Don't go poking the bear on this one, if anything I'd be deleting spurious addresses though so there's less possibility of getting a match.

Re: Help removing State Tax Lien - CFPB complaint

Anonymous — Fri, 19 May 2017 20:08:19 GMT

Thanks! Your edited comment area is something I've been thinking about. Considering it's not killing my score it may be worth the wait. ...the only issue is how long it'll actually take the new rule to hit my report (should there be errors). Guess it's just better to wait and see.

Re: Help removing State Tax Lien - CFPB complaint

Revelate — Fri, 19 May 2017 22:21:15 GMT

@Anonymous wrote:
Thanks! Your edited comment area is something I've been thinking about. Considering it's not killing my score it may be worth the wait. ...the only issue is how long it'll actually take the new rule to hit my report (should there be errors). Guess it's just better to wait and see.

I'm pretty confident in suggesting that come 7/2, if the data on the lien or judgement wasn't accurate, it'll be off your report.

Probably will occur 7/1 but giving them the day to complete the cleanup, though presumably the query they intend to run to scrub the dataset has long since been tested numerous times as it's kinda a big deal from a maintenance perspective.

Re: Help removing State Tax Lien - CFPB complaint

Anonymous — Sat, 20 May 2017 01:41:58 GMT

This is encouraging!! I hope you're right, thanks

Re: Help removing State Tax Lien - CFPB complaint

Anonymous — Sat, 20 May 2017 16:17:09 GMT

Equifax appears to be waiting til the last minute and very hard line. TU is fairly nice and easy to get removed. Exp. mixed results. They appear to going to remove stuff in early June. My situation dealt with ID Fraud that caused a Federal Tax Lien that I got withdrawn. Even with the IRS withdrawal notice Equifax verified it twice. I did file a complaint against Equifax last week because it . I think everybody but Equifax will have them deleted if they follow the guidelines as as far as lack of information in June. Exp told me 6/1/17. I would just wait a few weeks as even with my withdrawal notices this has been going on for over 2 months and my case was very clear cut.

Re: Help removing State Tax Lien - CFPB complaint

Anonymous — Sat, 20 May 2017 16:48:26 GMT

Thanks for the feedback! I don't see it being a harm for us to wait this out. As a follow up does anyone know if the SSN verification will be satisfied if it's just the last 4 of a SSN as opposed to all numbers?