Confused about late dates

[medicgrrl]

No offense taken on that comment.  I will go after them full force if I could just find something in writing that states how it should be reported.  I can't find anything that specifically addresses this issue.  I am starting to get a bit frustrated!!

[Anonymous]

Good! I really didn't mean to offend you!

Okay, how's about some dumb-o questions?

Are you talking to the same idiot each time? Or is this their company policy (so to speak)?

If this is their company policy ask them to send you some sort of literature that you SIGNED acknowledging this ridiculous method of reporting lates.

Are you afraid of reprisals with them? Meaning, if you play a little dirty, are you afraid that they'll punish you in some other way having to do with reporting/account?

There are OODLES of consumer websites that LOVE to embarrass big, faceless, brainless, heartless companies like this one.  I have a few that I use for researching biznesses before I do business with them. Want some URLs?

They'll take your complaint (the more stupid the company's acting, the better -- it's sensationalism at it's finest, but sometimes, you gotta play dirty) and write a short story about it. These are *popular* websites. We're talking viral here. Before you know it, GMAC will have a face -- and it'll have egg on it.

Are you up for some letter-crafting?

Write them a letter outlining how it's NOT accurate reporting. I know that you don't have a specific cite (wish I did) stating HOW to report lates, but this is common sense. And they have nada. Write the letter stating that you've been advised to sue under violations of FCRA. That you'll be filing a complaint with the FTC, your local AG office, and BBB. 

I don't think it matters that you don't have a specific cite. I think the threat would be enough.

Bottom line is that GMAC's not doing very well right now. I don't think that they can stand to lose potential clients -- if you embarrass them or file complaints, that affects their bottom line. This stupid method of reporting does NOTHING to help their bottom line.

Meanwhile, I'm going to make Google my buddy and see what I can find as re documentation (perhaps some odd guideline from the CRAs on *how* to report debts/lates?) that supports the *normal* intelligent method of reporting. I really think that somewhere, Equifax, Transunion or Experian has a tute on HOW to report lates for businesses. They sure have one for reporting everything else!!

[Anonymous]

Okay, let me try to explain what I'm thinking -- please, PLEASE bear with me ... this old gray mare ain't what she used to be!

Let's say you're a business, okay? And you want to report to the CRAs on your clients, right? Well, you'd have to sign up for the e-Oscar application/subscription, right?

But you're new, and this is such serious bidness that they provide a tutorial, right? Well, somewhere in that tutorial, I'd bet is information on HOW to report lates, dontcha think (I'm thinking so)?! A primer on what's considered conventional inn reporting -- the whens, the hows, the whys, right?

Soooo ... since that *is* proprietary information (found that out rather quickly), why don't you ask the people who are in CHARGE of the e-Oscar reporting??? There's an e-Oscar professional at each CRA.

Here's their emails (found this online in like 5 minutes -- so hopefully, this doesn't invade anyone's privacy):

Patrick.Sahf@experian.com

Equifax.EOSCAR@equifax.com

TDemarc@TransUnion.com

MWhayla@TransUnion.com

Here's the e-Oscar Help Desk number:

(800) 892-1574 

My thinking is that when you find out what the conventional methods of when to report lates (and when late is considered late), you'll have some ammo. Perhaps just so-and-so's word -- perhaps they'll be kind enough to send you literature pertaining to that method?

Then you use THAT against your idiot friends. >

[medicgrrl]

So I just got off the phone with a very nice CSR at Experian.  She said that based on what I told her that GMAC is reporting incorrectly.  She stated when I disputed the information GMAC came back and said that it is reporting correctly so there isn't anything they can do if GMAC says it is correct.  I am getting ready to call Corp office in a few minutes.  At this point it is just the principle of it being reported incorrectly that is starting to get to me!  LOL