beware of collection accounts reporting as a Open TYPE Tradeline

[nate79416]

Portfolio recovery updates every month, but this month I notice on my transunion CK report it now reports as a closed collection? I'm still within sol so I'm not sure what this is about...

[Anonymous]

Sorry, was reading on my phone and it seems it goes berserk and posts blank messages. Please disregard, won't let me delete. 

[kennerchick]

Hi,

I have checked my husbands report on Credit Karma and Quizzle and I've checked mine, he has a few collection accounts that are reporting in collections under status as open and I have one.  We each have Portfolio Recovery.  Although the accounts with PR have JUST got to the SOL for collection in Louisiana and I know they can't sue, I don't want to open that can of worms either because today is the SOL for one and June 1 and 12 were the other SOL dates for collection to end.

Collection agencies doing this are:

Jefferson Cap Sys - License revoked in Louisiana so collecting illegally!

Portfolio Recovery (on transunion twice, Equifax once)
Calvary
ENHANCED RECOVERY COMPANY (Sprint)

MIDLAND FUNDING LLC
SYNERPRISE (Medical)

Can anyone tell me exactly what to do to get these removed???  I always wondered why the status said open instead of closed.  It also reports monthly  I don't mind sending an letter or an email, I just really want these off our accounts!


Question is if these are removed, can't they be added back with status closed????  How do we keep them off??


Thank you so much for any help in how to word the letter, email for disputing without opening us up for being sued or getting slapped in the face.

[Anonymous]

Hi there, the first thing I would do is get your printed reports directly from the credit reporting agencies.

The reason I say this is because any other view especially online is ..in my experience...incomplete and also may have views layered on them online that can distort what you think you are seeing. Experian's product online, and transunion do not show enough detail.

After that is done, pay close attention to equifax, first as that report will have the most information.

If you can scan/photo and share ....I can try and help based on my progress so far.

It's the combination of data that is there, that will help find the issues. If you can .... Equifax has a trial membership...sign up get the report and then cancel.

Please share an update

[Anonymous]

Nate, where are you seeing this??

[kennerchick]

Thank you!  I will do just that!  I appreciate the help.  Can't wait to see if we can get them removed, would be fantastic!

Also if they are removed, what do we do to make them stay kicked off???

[nate79416]

---

@Anonymous wrote:
Nate, where are you seeing this??

---

Are u asking where do I see that it is closed? If so on credit karma, and I signed up for credit check total, and it says closed on a 3 reports...but I'm still within sol

[Anonymous]

Try and get the printed reports from all 3, or get Equifax online to start with.

What you see online in the non CRA credit  sites can be distorted and I would not rely on that. 

Karma shows Eq and TU, but, lack the details that are imbedded in the reports and those details (data) mean the most. 

[nate79416]

Ok thanks will do!

[Anonymous]

Ok --- so here's my current update for BOA and Asset Acceptance. 

1. Filed Complaint with CFBP for ALL three agencies, and against AA and BOA 

2. AA actually replied, disavowing any knowledge - letter previous posted, but I take that with a grain of salt because whoever built that METRO2 file for them, had to have tested it with all Agencies as part of their technical develooment activities as that, is simply normal. 

3. That letter from AA, is a leverage point for all otheractivities though, as their Attorney who drafted the letter, lays the blame squarely on the CRA. So if they can point fingers at eachother, I have simply proved my point. The data is bad, masked to mimic a tradeline - credit grantor account, and needs to be removed.

4. Equifax tried to start fixing the Original Creditor Account -  BOA, but --- f'd up royaly by manually updating my account - and it crashed my scores by 60 points, and - in one day. I immediately opened another CFBP complaint, and sent a letter to Eq, sharing that I watched what they did - and BOA - is still pending. See the changes below.

5. Ex - simply Deleted BOA - I barked enough, but -- AA is still open and no changes are visable - yet. 

6. TU - so far is the best of the bunch, and they replied and updated within a week. 

I am still meeting with my attorney, seems as though it only takes 2 complaints to a CRA, to start the ball rolling. Whats important to not is that Eq - will actually show you more history when an alert is provided on an account. Share a ton more detail than they probrably want you to see. 

1.  AA on Equifax - please look at the earlier posts for the original account details. see the history.

2.  They PAY status is updated to NR - but, there is still no closed date and from the alert message in EQ's online tool

3.  I can now see the PAY status as 120 days past due --- which a collection account can never be,

4.  That "Collection Account" Status can't be assigned to a Debt Collector 

5.  And when does a Debt Collector ever become a Retail Credit Account 

6. The first view is from 6/19 when they inserted a CO in my record, trying to fix this account --- its not working by the way.

BOA 

6/19 - Credit Doomsday, they jacked my record up by inserting a CO in June of 2015.

BANK OF AMERICA

P.O. Box 982235
El Paso, TX-799982235
 

Account Number:		Status:	CHARGE-OFF
Account Owner:	Individual Account.	High Credit:
Type of Account :	Revolving	Credit Limit:	$0
Term Duration:		Terms Frequency:	Monthly (due every month)
Date Opened:	06/01/2007	Balance:	$0
Date Reported:	06/17/2015	Amount Past Due:
Date of Last Payment:	05/2009	Actual Payment Amount:	$200
Scheduled Payment Amount:		Date of Last Activity:	N/A
Date Major Delinquency First Reported:	01/2010	Months Reviewed:	51
Creditor Classification:		Activity Designator:	Transfer/Sold
Charge Off Amount:		Deferred Payment Start Date:
Balloon Payment Amount:		Balloon Payment Date:
Date Closed:		Type of Loan:	Credit Card
Date of First Delinquency:	08/2009
Comments:	Consumer disputes - reinvestigation in progress, Consumer disputes this account information

81-Month Payment History

Year

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

2015

NR

NR

CO

NR

NR

2014

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2013

NR

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2012

NR

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NR

NR

NR

NR

NR

NR

NR

NR

2011

NR

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NR

NR

NR

NR

NR

NR

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2010

NR

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NR

NR

NR

2009

NR

NR

30

NR

NR

NR

NR

NR

NR

NR

NR

NR

2008

NR

NR

NR

NR

Then, on 6/24 - they removed it and are still trying to fix it.....

Date Reported:	06/24/2015	Amount Past Due:
Date of Last Payment:	05/2009	Actual Payment Amount:	$200
Scheduled Payment Amount:		Date of Last Activity:	N/A
Date Major Delinquency First Reported:	01/2010	Months Reviewed:	51
Creditor Classification:		Activity Designator:	Transfer/Sold
Charge Off Amount:		Deferred Payment Start Date:
Balloon Payment Amount:		Balloon Payment Date:
Date Closed:		Type of Loan:	Credit Card
Date of First Delinquency:	08/2009
Comments:	Charged off account

81-Month Payment History

Year

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

2015

NR

NR

NR

NR

NR

2014

NR

NR

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NR

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2013

NR

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NR

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2012

NR

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NR

NR

NR

NR

NR

NR

NR

NR

NR

2011

NR

NR

NR

NR

NR

NR

NR

NR

NR

NR

NR

NR

2010

NR

NR

NR

NR

NR

NR

NR

NR

NR

NR

NR

NR

2009

NR

NR

NR

NR

NR

NR

NR

NR

NR

NR

NR

NR

2008

NR

NR

NR

NR

Mod Cut Personal Info