15+ years old collection with US Cell that Jefferson Cap dumped on my CR's

[IamWesty12]

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@FireMedic1 wrote:

Did some diggin: (Show me the Money!!!!!!!)

Basic Damages (pick one):
Actual (provable) damages (no limit), or statutory damages between $100 and $1,000 (to get these you don't have to prove that the violation harmed you).

If the violator was an individual who lied to get your credit report, or used it for an improper purpose, then the greater of:
your actual, provable damages (no limit), or $1,000 flat (no minimum).

Punitive damages, as decided by the court.

Attorneys' fees and costs. (15 U.S.C. § 1681n).

https://www.nolo.com/legal-encyclopedia/remedies-fcra-violations.html 

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@FireMedic1 thank you for your due diligence and investigative abilities as well FM, love this!

[bakenshake]

there is a lesson to be learned here that im not sure you have learned.  do not tinker with your files unless you absolutely have to.  you told them to remove addresses simply because they were old addresses on your file.  where they causing you damage?  did your score drop 100 points because of these old addresses on your report?  no.  by messing with your file, all these bs debts pop up that will take time and effort to remove.  had you simply left your files alone, you would be sitting pretty.  there was no absolute necessity to remove those old addresses on your file so you should not have.  never mess with your file if you do not absolutely have to.

[JoeRockhead]

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@bakenshake wrote:

there is a lesson to be learned here that im not sure you have learned.  do not tinker with your files unless you absolutely have to.  you told them to remove addresses simply because they were old addresses on your file.  where they causing you damage?  did your score drop 100 points because of these old addresses on your report?  no.  by messing with your file, all these bs debts pop up that will take time and effort to remove.  had you simply left your files alone, you would be sitting pretty.  there was no absolute necessity to remove those old addresses on your file so you should not have.  never mess with your file if you do not absolutely have to.

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@bakenshake, this isn't about removing wrong addresses. It was about a wrongfully reported account and/or possible ID theft.  In which she has every right to have inaccurate information removed.

[JoeRockhead]

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@bakenshake wrote:

there is a lesson to be learned here that im not sure you have learned.  do not tinker with your files unless you absolutely have to.  you told them to remove addresses simply because they were old addresses on your file.  where they causing you damage?  did your score drop 100 points because of these old addresses on your report?  no.  by messing with your file, all these bs debts pop up that will take time and effort to remove.  had you simply left your files alone, you would be sitting pretty.  there was no absolute necessity to remove those old addresses on your file so you should not have.  never mess with your file if you do not absolutely have to.

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@bakenshake, this isn't about removing wrong addresses. It was about a wrongfully reported account and/or possible ID theft.  In which she has every right to have inaccurate information removed as well as being eligible for potential monetary damages.

[bakenshake]

you do not understand.  it was mistakingly triggered 2 days after trying to remove the addresses from the 2 bureaus that were contacted.  that was not a coincidence.  that was not a coinkydink.  those accounts were not id theft.  they were old accounts that were incorrectly triggered by the actions of trying to remove the old addresses.  that was not a coincidence.  this lesson is lost on you as well.  when you mess with your report, it can trigger ridiculous mistakes like this that would not have possibly happened had they not tried to remove those dates.  ridiculous, improbable mistakes pop up all the time if you do certain maneuvers on your files.  no chance those 15 year old accounts would have resurfaced had the credit files been left alone.  

[JoeRockhead]

The whole point is that they are 15 years old. No matter how they were "triggered", coinkydink or not, it was reported in violation of the FCRA. There is nothing wrong with having reports cleaned up to reflect current and accurate information which can help negate nuecence ID and residency verifications due to too many different "current" addresses, or misspelled names creating aliases (that dont exist other than because of incorrect reporting) or any number of things that are incorrect on one's reports that potentially cause unnecessary scrutiny.

[bakenshake]

users are much better served when they leave their reports alone until and unless there is something consequential that absolutely must be addressed.  this user was not well served by trying to update the old addresses since it led to foolish mistakes put back on his report that take great time and effort to fix.  this user was not well served.  we must fight that piece of human nature that makes us feel we have to respond to and perfect every little thing that seems not quite right.  it is a terrible defect in our nature.  most people dispute perfectly valid accounts over and over only to have their scores plummet each time for 4 long months because they did not realize that a verified derogatory account gets freshly reported again.  they just want to die at that point.  they were not well served by disputing those same accounts over and over as so many do.  they would have been much better served by resisting that urge to try to tinker with their report.  this same thinking screws us in more insidious ways than just this.  if i send you a text message or email and say:  "hey joerockhead, you underpaid me $12 for that software you bought from me so i had to take it out of your paypal account just now.  if you challenge the $12 extra payment i will see you in court.  click this link or call this number to verify that you accept the extra charge."  now you know darn well that you did not buy any software from whomever sent you that stupid text message or email but our wonderful little human nature compels us to respond in some foolish way by asking who this is or by clicking on the link or by doing something other than absolutely nothing which is what we should be doing.  maybe you wouldn't fall for it, but 5 or 10 or 20% of people would because it is in our nature to do so, when we would have been much better served to just "LET IT ALONE!"  that is the message you should be sending each and every person on this site if you really want to help people.  you must teach them to fight that urge to feel like they have to fix every little thing or respond to every little slight that they experience in their lives.  for every person who disputes a verified account they darn well know they didn't pay, they want to die for several months afterwards when they realize they only dug themselves deeper into that hole we call a grave.  no, the whole point is NOT that the accounts are 15 years old.  ya just don't get it.  those who do, are well served by this advice.  those who do not, will dig themselves deeper into that hole we call a gravy.    (hey just checking to see if ur paying attention plus my meatloaf and mashed potatoes are just about ready altho i would be much better served with a meatloaf salad and mashed veggies)

[Horseshoez]

@bakenshake, your post is completely unreadable; I made it maybe two or three lines in before my eyes glazed over.  In the future, please use punctuation and paragraphs.

[FireMedic1]

@bakenshakeWhat was pulled on @IamWesty12 is totally illegal. Thats what this thread topic is about. The advice your trying to give doesnt apply to what the opening post was about. On a side note. As @Horseshoez asked. Many use mobile. Lets make it readable. Yes some do try to get things hopefully deleted by disputing and comes back to bite them as its updated/verified. This is not the case or topic.

[IamWesty12]

Just an update on this and thank you to @FireMedic1 for asking me earlier for an update.....

I contacted a debt lawyer who agreed to look into this for me and before long she look things over and took my case on for free.  Obvi, only if we won would she get compensated.  Well, I think it was less than 2 weeks when this TOO OLD TO REPORT collection that was illegally bombed onto my credit reports was gone quicker than it arrived, on all 3 CR's.  To have my cake and eat it as well, the CO was deleted off, balance and bill wiped out, lawyer took her fees and I still ended up with a check for a hair over $1500!

So thank you FM, @JoeRockhead and @Horseshoez for the support.  Although I don't agree with all of what you posted @bakenshake I do agree with you pointing out that no one should be disputing things that they know are legit.  That only bites them in the you know what.  HOwever, this 15+ year old debt was illegally placed onto my credit reports which was the ONLY point of this string of posts.  On very basic laws that protect us not in any way, shape or form can any company throw a too old debt onto someones credit reports.  This is the basis of the FDCPA at its basic foundation.  Well ok, longer post than I wanted to post as uz with me, lol!  TY to my-fico fam, you guys are simply the best!