Alltel and LVNV(Washington MAMU

[Anonymous]

I could really use some help here with these 2 companies.

 1). Alltel == I have never had them what they did way bought an old MId West Wireless account that had already been paid off to the Collection agency that had it removed. 3 + months later Alltel bought that account from Midwest Wireless and has it listed on my account dated 8/07  paid charge off. Is that legal since it was paid back in June of 2007. The way this looks is it will remain for another 3+ years and it looks like its new and just tanked my scores I call and all they say is they bought it and have the right to report for 7 yrs and will do so. This comes after I cought them Triple billing my husband. ( he has them in his name only) then all of a sunden the next month I find this. Is there any legal recourse to take? Isn't this illegal reporting since the account was paid in full before they bought it?

 2). WAMU== we had a Providian card that the insurance was supose to pay off but Providian refused to give us the information. That was back in Dec of 2001 and that was our DLA on the account well now on my husbands report it says Providian DLA 11/2002 and WAMU is listed (same account) as DLA 10/2003 (thats around the year they bought out Providian) then there is LVNV for the same account with DLA 10/2003 they all have different account #'s but its the only account we had with Providian. I have disputed this but the credit bureaus just come back with Validated. I dont think they even try to validate some of these items. They took a balance of 268.00 and has it at 1247.00 this is bogus. This is the same thing that Providian has a class action suite for back in earlie 2000 something.

I am sorry for the long post but I really need some help with this as it has stopped our home loan and 5 months after we were due to close on our home we are still living with family now we are faced with paying over 1250.00 a month in rent for a 3 bedroom with 5 teenagers can anyone help?

[Anonymous]

Alltel-

The CRA MUST notify you in writing to re-inset this acct.

Fax or mail CMRRR the CRA a letter informing them they are in violation of § 611.(5)b of the FCRA and you demand the Certification from the alleged creditor to re-insert this information and an immediate deletion.

(B)Requirements Relating to Reinsertion of Previously Deleted Material

(i)Certification of accuracy of information.
If any information is deleted from a consumer's file pursuant to subparagraph (A), the information may not be reinserted in the file by the consumer reporting agency
unless the person who furnishes the information certifies that the information is complete and accurate.

(ii) Notice to consumer. If any information that has been deleted from a consumer's file pursuant to subparagraph (A) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion
in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency

[Anonymous]

Here is the thing see it started out as follows

Midwest Wireless = Original Creditor

AMO Recoveries  = Collection Agency  (Paid in Full June 6,2007 and Deleted)

Alltel                      = Bought account August 2007 from Midwest Wireless how I dont know since it  

                                 was paid in Full in June of 2007 and I have a bank statement to prove it. The way

                                 they are reporting makes it look as if I defaulted to them and as of 8/2007 which

                                 tanked my score. I told the Alltel Supervisor they were breaking the law for

                                 reporting inaccurate inforation and she said it was not inaccurate because it is

                                 listed as a paid Charge Off. but they should not have it because it was paid prior

                                 to them.

What can I do its like they are just trying put it back since AMO removed it for me but I paid in full. What all can be done with this I mean to me it should not be allowed. Should I still mention the insert or should it be handled as they have no right since it was paid prior to them buying?

Thanks,

Debbie (

[Anonymous]

I don't think they have any right to report it.

What I do know is that an account can not be re-inserted with out notifying you in writing and the creditor must certify the data to re-insert.

Alltel is going to be a waste of time- I would go right after the CRA - be firm at first. Give them a chance to fix it BEFORE the ITS letter.

[Anonymous]

Thank you so much. I just thought that Alltel would like a chance to fix it before I sued them. I can see not that they dont care so I have file a charge with the State Attorney Generals office, Better Bussiness Bureau and Utiltiy Comm. for the Triple Billing that they pulled on my husbands account and I have forwarded copies of the bills to the local newspapers and TV stations as well. I also included the information on what they just pulled with my credit report to get the awareness out there and maybe help others in my situation.