jango wrote:Where to start?PCFS - DOLA - AUGUST 2001MIDLAND - 2 DV SENT, NO RESPONSESLVNV - 2 DV SENT, NO RESPONSESGMAC - NO DV SENT, THIS ACCOUNT IS A CLOSED/CHARGE OFF VEHICLE REPOSSESSION FROM 2002.I went to apply for a home loan this week (got a new car last month, score was 690), this month i found a house i wanted. My credit is a 656, due to all the inquiries. I sent an online dispute for all the above mentioned items. they of course all came back verified since all they have to say to the CRA is its verified and no proof has to be given to them. I am pre approved for the home loan, but only if i can get the PCFS Mortgage taken off. Now, in the state of TN, the SOL is 6 years across the board. So this should have come off last August..... correct? Oh, and equifax's online dispute thing is always broken. Anyways, the bank i am getting the loan through disputed GMAC, PCFS, & MIDLAND and then had me conference a call with all 3. Here is what happened with each.Midland - The lady just kept asking what my dispute with them was. I told her about the DV letters and how they had not responded. She just kept saying it was verified and she didn't know what my dispute was. She said we will send you verification. I said, you had your chance for that. So nothing got settled there.Did you send them CMRRR? If so, send copies of your green cards, CM label, and copies of the letters to the CRA, along with the letter I'll post next. <<< Just seen below where you done this.GMAC - At first they couldn't find the account. I was getting happy..... then they transferred us a couple times until someone found it. I simply asked when the DOFD was and she said December 2002. I asked when it would come off, she said in 7 years. I said you mean 6...... she didn't answer.If DOFD is December 2002 then it will come off somewhere between December 2009 and May 2010. Technically the 7 year period doesn't start running until 180 days past DOFD.PCFS - The Credit guy looked everywhere for thier number. He finally found that the company had been bought by another company. We stayed on the phone for an hour trying to get through. Gotta try again in the morning. All i know is the DOFD was August 2001.It will be removed somewhere between August 2008 and February 2009. Use the address and phone number on your credit report. If it is incorrect then dispute the account. They must report ALL information accurately or not at all. Dispute as "inaccurate information"On a brighter note, i just sent out CMRRR to experian, equifax, & transunion with all my CMRRR, DV letters, and everything else i sent to Midland & LVNV. I also sent them CMRRR about the SOL and the PCFS account. I also sent MIDLAND & LVNV the " you failed to validate the debt, i want it removed or else letter" from here CMRRR. yes, i spent 60$ on CMRRR letters today. the postal worker now hates me, i am sure.They don't care about SOL.Let me tell you, when you screw up, no matter how long ago it was, you pay for it when you got people like these running the show. I am going to give it a few weeks, but if nothing has changed and i do not get responses back, what is the next step?I have heard some lenders getting a loan through when they know that all the accounts are PAST SOL and you are not legally responsible for the debt any longer.
Send CMRRR and include DOB, SS#, and Proof of Identity(copy of DL and/or SS card)
Make changes where needed.
Date: June XX,2006
RE: Account #XXXXXXX/ Arrow Financial Services
This is a request for deletion of a disputed item. I have attempted to have this alleged debt verified by the alleged creditor and collection agency to no avail. I am respectfully requesting that Experian do what is legally mandated by the FCRA and FDCPA, and delete the account listing.
Arrow Financial Services, Account # XXXXXXXX
On March 21, 2006, Arrow Financial Services received a demand for validation from me. Attached is a copy of that letter along with the U.S. Post Office return receipt showing they did indeed receive the request. As of today, June XX, 2006, they have failed to provide any proof or respond in any way.
On May 2, 2006, I sent a second letter. Again, I have received no response. Attached is a copy of the letter and the U.S. Post Office showing they did receive that letter.
The FDCPA states they must cease collection activity until they have produced verification of the alleged debt if so requested. As per the FTC, this includes reporting to the credit bureaus, which they obviously have done illegally. It is quite evident that no such proof of this alleged debt exists or they would have provided it in the previous 3 months since it was requested.
As per the FCRA, if no proof of debt exists, it may not be reported to the credit reporting bureaus. The FCRA also states that the credit reporting agencies must accept written proof from the debtor.
Therefore, I am not asking for an investigation to be done, I am requesting that the entry be deleted in its entirety as there is no proof of its existence as evidenced by my attached documented proof.