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Posted: Fri Mar 14, 2008 8:12 am Subject: Can you file a complaint against

A credit bureau??? I want to report Transunion!

Posted: Fri Mar 14, 2008 8:14 am Subject:

Can you tell us more about the problem?

Posted: Fri Mar 14, 2008 9:31 am Subject:

You can certainly file a complaint with the FTC or your state AG. BBB might be an option, too, but I dunno how much good it'd do. What happened?

Guest · Posted: Fri Mar 14, 2008 9:42 am Subject:

they have something on report that i have disputed with them 3 times, and they keep sending it back and verified, now when I call the company they say they have no record of me, so when i called today i asked them for the number and address where they are getting this "verification" from, when I called i got the same response, i just dont know what to do!!

If this is a valid debt then how would I pay it??

Guest · Posted: Fri Mar 14, 2008 9:43 am Subject:

sorry the above statement is me (jaydanielle1) couldnt sign in

Guest · Posted: Wed Mar 19, 2008 9:08 am Subject:

Posted: Wed Mar 19, 2008 3:38 pm Subject:

Try demanding validation from the creditor in question. If they won't/can't validate, send that to the CB and demand removal.

Alternatively... If you're absolutely certain it's not your debt or that it should have fallen off already, send an intent to sue letter to both the CB and the creditor. Problem with this approach, though, is that it can escalate the situation.

Guest · Posted: Fri Mar 21, 2008 2:55 pm Subject:

thanks

Posted: Fri Mar 21, 2008 4:28 pm Subject:

Hey, just giving a little back. Best of luck to you.

Posted: Fri Mar 21, 2008 11:24 pm Subject:

Hey guest

Do not accept any stupid letter from the CA as a proof of validation. They must provide the given below info as validation:

amount of the debt

the name of the original creditor

your total payment record with the original creditor

the proof that they are actually being authorized to collect

the proof that they are licensed to collect on your state

the agreement with the creditor where you have agreed to pay the amount if it went to collections

the total calculation of the amount that they are claiming from you

BTW I simply love unclewulf's four No's of dealing with collectors.

Nelly