OC "statement"

[Anonymous]

Creditor added statement to CR "Unable to locate consumer July 2007 thru July 2008". This is an out right fabrication. They contacted me several times at the phone # I have had for 3 yrs. I called and spoke with them several times which I can verify with cell records. My address and phone # are on the checks they cashed. The loan was paid off (12 MO. Early) in June 2008, so why would they want to "locate" me in July 2008? Can I get this removed? I called them only to be told by a very rude young lady that it is illegal for them to remove anything, and that it would be on my CR 10 yrs.

[Anonymous]

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@Anonymous wrote:

Creditor added statement to CR "Unable to locate consumer July 2007 thru July 2008". This is an out right fabrication. They contacted me several times at the phone # I have had for 3 yrs. I called and spoke with them several times which I can verify with cell records. My address and phone # are on the checks they cashed. The loan was paid off (12 MO. Early) in June 2008, so why would they want to "locate" me in July 2008? Can I get this removed? I called them only to be told by a very rude young lady that it is illegal for them to remove anything, and that it would be on my CR 10 yrs.

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Actually, that's kinda funny in a weird, stupid way. I mean, so what will happen? The actual account will fall off after the 7 year CRTP and there'll just be a "ghost" statement saying someone "couldn't find you" hanging around for 3 more years????

Honestly, you spoke to an idiot. A real, bona-fide, drooling ijit.  Obviously, what she knows about the FDCPA and FCRA could fit into a Barbie doll's thimble.

Anywho, I don't think you really need to dispute THAT ... I really doubt that anyone pays much attention to the stupid little comments. If anything, I would contact the CRAs and ask them what to do. 

[Anonymous]

Wonderin is right that you don't really need to dispute those comments, as those remarks are ignored by Fico.

However, big however, they can be read during manual review - if you are not happy because you can prove they are untrue and you feel they portray you negatively (I know I would), you can sue for defamation of character and for incorrect reporting - thus claiming actual damages and statutory damages.

[Anonymous]

Talk about weird and stupid, before I got off the phone with her she in the most sarcastic voice informed me that not only would she NOT remove the statement but she was slating me for repossession! I think I angered her when I made mention of the FCRA (how dare I).

[Anonymous]

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@Anonymous wrote:

Talk about weird and stupid, before I got off the phone with her she in the most sarcastic voice informed me that not only would she NOT remove the statement but she was slating me for repossession! I think I angered her when I made mention of the FCRA (how dare I).

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OMGosh ... I think I may have just wet myself laughing!!

*ahem -- serious voice, now*
Let me get this straight, please.

Not only are they going to break Federal law and report you for 10 years, but they are also going to come and repossess a paid-off car?

You know ... I like you. And because I like you, I almost hope they come and try it. I'd LOVE to see you either 1) shoot them for trespassing or 2) sue their patooties off for a gajillion dollars. Heck, why not both?!

Either way, I see it, it's a win-win.

Whattabunchadummies.

But now, seriously ... how else is it reporting? Does it report as paid? Any lates showing past the paid off date? What's the status ("current," "pays as agreed" etc)?

WHO is this bunchamorons, anyway??? Be kind to your fellow FICOnians and let us know, so we don't EVER make the mistake of doing business with THEM!

[Anonymous]

This is what I would do: 

File immediately complaints with BBB, AG and FTC.

Call back to get the name of the person you talked to. Send to her attention an ITS letter for FDCPA violation for threatening to repossess ($2,500), FCRA violation for a Credit report unjustified remarks ($1,000), and $500 of actual damages for defamation.

Wait 1 week and then file in Small Claims Court.

[Anonymous]

Yeah, I ask her if she needed me to mail her the title before or after repo! It is reported as "paying as agreed" not "paid in full". They also show me 30 days late in 06 so I looked up my cancelled checks and  I actually paid 3 months ahead during that time. This was a central Fl based CU account. What I would like to do is have her fired, but where else would she be able to work?