topic Re: Midland and EQ: Now I understand "going postal" in General Credit Topics

Midland and EQ: Now I understand "going postal"

atlastontheroad — Mon, 07 Apr 2008 21:02:22 GMT

EQ has "verified" Midland TWICE and sent me reports giving me the 5775 Roscoe address which I have disputed as "undeliverable" with all necessary documents.

After holding for 30 minutes for an EQ supervisor who told me that it doesn't matter that the address is undeliverable, they have verified, I nearly got into a shouting match with the moron.

So, I'm on hold again waiting to see if anyone at EQ has ever freakin' heard of FCRA or FACTA.

After 3 DV's, 3 disputes, 2 MOVs, I'm at the end of my rope.

Help!

atlast....glad that the only weapons I own are 30g darts....

Message Edited by atlastontheroad on 04-07-2008 05:02 PM

Re: Midland and EQ: Now I understand "going postal"

Anonymous — Mon, 07 Apr 2008 21:10:30 GMT

Send them an MOV CMRRR they will send a form letter back.......then you will send an *ITS*

If you send the ITS be ready to file a lawsuit. copy everything and mail CMRRR to the FTC!!!!

CRA
ADDRESS
ADDRESS

Date

Dear Sir or Madam:

On __________ I filed a dispute with Experian regarding the account from _________ which appears on my Experian credit report. On ________ I received the results of the investigation stating that the account had been verified.

Under the Fair Credit Reporting Act, section 611(a)(7), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information and the telephone number of such furnisher, if reasonably available. AND include the name of the person that you talked to!

Please mail this information to me at the address below:

Name

Address

Sincerely,

(TYPED NAME

Re: Midland and EQ: Now I understand "going postal"

Anonymous — Mon, 07 Apr 2008 21:15:44 GMT

OK how many times did you DV midland? did you send an ITS?

Make sure that you keep everything all DV GG and cert.paper do all your disputes CMRRR

You have the right to sue midland IF you have all paperwork. Start checking out lawyers

this is address on your CR correct 5775 Roscoe

Message Edited by HappyDays on 04-07-2008 02:15 PM

Re: Midland and EQ: Now I understand "going postal"

atlastontheroad — Mon, 07 Apr 2008 21:31:59 GMT

HappyDays wrote:
OK how many times did you DV midland? did you send an ITS?

Make sure that you keep everything all DV GG and cert.paper do all your disputes CMRRR

You have the right to sue midland IF you have all paperwork. Start checking out lawyers

this is address on your CR correct 5775 Roscoe

Message Edited by HappyDays on 04-07-2008 02:15 PM

Yep, it's the Roscoe Court address, HD. EQ reports Roscoe, EX reports the other one. I haven't tried to call EX yet, I need to calm down. They "verified" too, after two DV's have gone unanswered.

Yes, I know that a CA isn't required to respond to a DV. In this case, since the OC is not on my reports, there isn't a fiddler's chance that they'll be able to validate. Thus the silence.

EQ is amazing. The "supervisor" tried to read me a script about how EQ "verifies." I explained that automated verification was not sufficient and asked for the name of the person and phone number that was used to verify. More script. I asked nicely for the supervisor's supervisor.

"For what reason?" she asked, all snotty. "Because clearly the issue I need to address is outside of your ability to handle." (That's as nasty as I got)

NEXT supervisor:

After explaining the violations, expanding his knowledge of section 611 and being as polite as I could be, he has escalated this. He took the CMRRR routing number of the undeliverable item after I told him that I hoped EQ didn't just toss legal documents.

He tried to tell me what the original account is, I explained that the only issue here is Midland who EQ verified three times since 2/19. He tried to tell me that automated verification is standard, I explained that after the first time, it was entirely insufficient.

I think I said "EQ is required to report accurate information, if you send me to an undeliverable address and continue to verify even after it is shown to be invalid, can you be reporting accurate information?" Like three times, in different ways.

I've DV'd EQ 1 time: (undeliverable) to the address that EQ sent me as a result of disputes (on no less than two disputes). I've sent the MOV letter twice and gotten the response that this was verified with the SAME address that was undeliverable.

I've DV'd twice to the other address but wasn't going to tell EQ that, EQ only provided me with that address over the phone.

END RESULT: New dispute number, he will "escalate" this so someone "higher up" talks to Midland. He tried to tell me it would take up to 45 days, I reminded him that this dispute was the outcome of a purchased EQ report and that EQ had no more than 30 days.

However, the team leader will be looking for more than that, since I am going to call him every afternoon from now until it's either deleted or I find a lawyer and file lawsuits.

Forget ficotini, I'm looking at a bottle of Sapphire and a straw.

atlast....p*ssed off

Message Edited by atlastontheroad on 04-07-2008 05:31 PM

Re: Midland and EQ: Now I understand "going postal"

Anonymous — Mon, 07 Apr 2008 21:36:08 GMT

9. If they open a dispute over the phone, get the new confirmation number. Write down the confirmation number, the time & date of your call, and the name of the rep at the CRA with whom you spoke. They might also be a "ghost" and you might have to ask for a supervisor to get a name.

10. Once the investigation is complete, if the inaccurate info remains, then send an ITS letter to the CRA. Give 'em 10 days, then either file suit yourself in small claims or contact a consumer lawyer and see about filing in federal court. naca.net or myfaircredit.com are two good sources of consumer lawyers for debt and credit issues.

Re: Midland and EQ: Now I understand "going postal"

atlastontheroad — Mon, 07 Apr 2008 21:45:07 GMT

HappyDays wrote:
9. If they open a dispute over the phone, get the new confirmation number. Write down the confirmation number, the time & date of your call, and the name of the rep at the CRA with whom you spoke. They might also be a "ghost" and you might have to ask for a supervisor to get a name.
10. Once the investigation is complete, if the inaccurate info remains, then send an ITS letter to the CRA. Give 'em 10 days, then either file suit yourself in small claims or contact a consumer lawyer and see about filing in federal court. naca.net or myfaircredit.com are two good sources of consumer lawyers for debt and credit issues.

Yep, got his name and new confirmation number, the time and day of the call. I was looking at Noah Bodie's post and got this far down the list (grin).

Message Edited by atlastontheroad on 04-07-2008 05:45 PM

Re: Midland and EQ: Now I understand "going postal"

atlastontheroad — Tue, 08 Apr 2008 23:02:45 GMT

Well, EX just pulled a worse (for them) stunt when discussing the Midland fiasco. The supervisor I spoke with stated that they "will not reinvestigate."

I've emailed my accumulated documents (3 DV's to 2 addresses, 5 "resolved" and "verified" disputes at two addresses, complaints to the FTC, California AG, New York AG and San Diego BBB) to a consumer attorney. I spent about 20 minutes talking with her and will meet with her early next week to decide if the accumulated violations are worth a contingency case.

Nonetheless, I'll pay her for making Midland go away.

I give up.

atlast.....EXP hates me, 6 points, to 599. It's ok, I hate them too.

Re: Midland and EQ: Now I understand "going postal"

Anonymous — Tue, 08 Apr 2008 23:19:27 GMT

atlastontheroad wrote:

However, the team leader will be looking for more than that, since I am going to call him every afternoon from now until it's either deleted or I find a lawyer and file lawsuits.

If they receive *additional information* from the consumer during a dispute they can add 15 days, I don't know if they can add it only once or each time they receive additional information. So, I'd be careful of calling everyday.

Re: Midland and EQ: Now I understand "going postal"

atlastontheroad — Wed, 09 Apr 2008 00:52:32 GMT

Thanks, sidewinder, you're correct and you're probably calmer than I am at this moment.

I decided to call a lawyer instead of calling EQ and getting steamed again. So, she's got 18 pages of what I've written/modified/filed with the CA/CRAs/BBB/AGs and FTC to review before deciding if it's worth her time.

The last question she asked: "What's your best case?" I told her "get 'em out of my life, off my credit reports." "No vengence?" "Only if it's worth your time on contingency."

We'll see.

Re: Midland and EQ: Now I understand "going postal"

Anonymous — Wed, 09 Apr 2008 13:50:36 GMT

love this quote=

"Only if it's worth your time on contingency."

Re: Midland and EQ: Now I understand "going postal"

atlastontheroad — Wed, 09 Apr 2008 15:58:11 GMT

Timothy wrote:
love this quote=
"Only if it's worth your time on contingency."

The lawyer laughed. She and I seem to speak the same language. If she believes there are enough violations I'll consider the lawsuits against EQ/EX and Midland. Otherwise, I just want them to go away.

The mitigating factor is that the OC dropped off of my CR in early March. It was supposed to have been paid, but finding that paper trail is going to be nigh-on impossible. The factors involved are sucking up my tax dollars in Ossining.

I could use some good FICO Karma on this one. Prayers, chanting, offering up sacrifices, all acceptable.

atlast.....

Re: Midland and EQ: Now I understand "going postal"

Anonymous — Wed, 09 Apr 2008 21:55:19 GMT

What was the other Midland address you had?

Re: Midland and EQ: Now I understand "going postal"

atlastontheroad — Wed, 09 Apr 2008 23:31:06 GMT

EQ lists: 5775 Roscoe Court, San Diego, CA 92123

EX lists: 8875 Aero Dr., Ste 200, San Diego, CA 92123