WTF!! i need help FAST

[momof2]

I just got an alert from TC for my EX report. i have a CA listed named grant & weber, the last reported was 7/31/07 now the new update is 3/31/08(just got the alert today) yesterday my CR showed 13 accts now it shows 14, they are being reported twice on my CR. CAN THEY DO THAT???

just last week i got the results from a class action lawsuit against the OC which is CHW for overcharging uninsured patients, I was given a 35% dicount of 191.10 to be dropped from the bill making it now $354.90, but both of these accts are still showing the $546, the OC was to report to the CA about the change in amount due, CA never did, cause this lawsuit was won they are required w/in 30 days to notify the CA's about the change and to make corrections to the balance which they havent done yet, DOFD is 10/21/03. here is what TC shows

1st account GRANT & WEBER    Account No.:   2182***   Original Creditor:   ST. ROSE DOMINICAN HOSPITAL   Responsibility:   Individual   Condition:   Derogatory   Original Balance:   $546   Balance:   $546   Date Opened:   07/2004   Date Reported:  

07/31/2007

2nd acct

GRANT & WEBER    Account No.:   00218****   Original Creditor:   ST. ROSE DOMINICAN HOSPITAL   Responsibility:   Individual   Condition:   Derogatory   Original Balance:   $546   Balance:   $546   Date Opened:   07/2004   Date Reported:  

03/31/2008

whats worse is that EX updated my address to my old address which is 4 years old and not my current address,

3 questions can EX update my old address as my current address and make my current address and old address?

and can the CRA allow the CA to list the same debt twice?

WHat the heck do I do now??

this caused a -27 hit on my fako score, i cant imagine how bad of a hit my fico score took

Message Edited by momof2 on 04-20-2008 01:03 PM

[Anonymous]

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momof2 wrote:

I just got an alert from TC for my EX report. i have a CA listed named grant & weber, the last reported was 7/31/07 now the new update is 3/31/08(just got the alert today) yesterday my CR showed 13 accts now it shows 14, they are being reported twice on my CR. CAN THEY DO THAT???

just last week i got the results from a class action lawsuit against the OC which is CHW for overcharging uninsured patients, I was given a 35% dicount of 191.10 to be dropped from the bill making it now $354.90, but both of these accts are still showing the $546, the OC was to report to the CA about the change in amount due, CA never did, cause this lawsuit was won they are required w/in 30 days to notify the CA's about the change and to make corrections to the balance which they havent done yet, DOFD is 10/21/03. here is what TC shows

1st account GRANT & WEBER    Account No.:   2182***   Original Creditor:   ST. ROSE DOMINICAN HOSPITAL   Responsibility:   Individual   Condition:   Derogatory   Original Balance:   $546   Balance:   $546   Date Opened:   07/2004   Date Reported:  

07/31/2007

2nd acct

GRANT & WEBER    Account No.:   00218****   Original Creditor:   ST. ROSE DOMINICAN HOSPITAL   Responsibility:   Individual   Condition:   Derogatory   Original Balance:   $546   Balance:   $546   Date Opened:   07/2004   Date Reported:  

03/31/2008

whats worse is that EX updated my address to my old address which is 4 years old and not my current address,

3 questions can EX update my old address as my current address and make my current address and old address?

and can the CRA allow the CA to list the same debt twice?

WHat the heck do I do now??

this caused a -27 hit on my fako score, i cant imagine how bad of a hit my fico score took

Message Edited by momof2 on 04-20-2008 01:03 PM

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I would dispute the address...copy your DL as proof.......dispute as dup. they should delete 1 of Ca listings.

If the hospital still owns the account I would pay them & not say anything about the CA.......I would wait 2 months (if possible) and then DV the CA  CMRRR

[momof2]

The OC does NOT have the bill anymore, account was purged after 2 years they can no longer repluu my account and refer me back to the CA they said that they cant accept pymt, this what they told me when i called them 3 weeks ago, as for the lawsuit that all us plaintiffs won and the OC has 30 days to report to the CA the new correct amount what should I do when I DV the CA should I include a copy of the judgement against the OC and that are required by the courts to correct the bill?

What is the purpose of waiting 2 months before I send DV to them?

[Anonymous]

mom what state is this debt from?

[momof2]

debt is in nevada and i live in calif with no plans to move back to nevada

[momof2]

ok just finished disputing account on EX website and listed it as incorrect balance and made a staement in the little box that the account is listed twice, one need to be removed and a class action lawsuit was filed against OC and the CA must report new balance.

what else should i do and why do I need to wait 2 months before send a DV?

[Anonymous]

I would DV  the CA  CMRRR

Remember do not offer any info!!!! 

If you get lucky  on the dispute  the dupe will get dropped. You should have just disputed as DUPE! The amount might just come back verified. 

remember the CRAs PC talks to the CAs PC...it is only coded nothing written!!! 

Message Edited by HappyDays on 04-20-2008 01:59 PM

Message Edited by HappyDays on 04-20-2008 02:00 PM

[momof2]

can I DV them after the results from my dispute?

Should I send them a copy of the letter of the class action lawsuit againt their client showing the amount that they must correct ?

or should I mention to them about the class action lawsuit against their client?

[momof2]

bump* anyone knows answer to my last post?

[Anonymous]

mom...send the DV letter and nothing else!!!!!!!!!!!!!!!!!!!!!  do not add any info.!!!   YES  you can wait until dispute is complete.

it is up to the CA to prove that this account belongs to you & all amounts are correct!

Message Edited by HappyDays on 04-20-2008 07:00 PM