listed on my credit report
Date: Tue, 08/21/2012 - 09:37
How exactly are we supposed to know? A) we're not your creditor
How exactly are we supposed to know? A) we're not your creditor and B) you didn't tell us "what" is listed on your report.
Credit Report Info
If an entity has an account belonging to you (whether they are hired or otherwise owned) then they have a right to report information regarding that account. Secondly, if you are aware of, or actually do have the account, the reporting entity is still required to report accurate information. If you feel that any portion is incorrect, you are entitled to file a dispute.
Be aware that when you do dispute account info to the credit bureaus, they merely contact the creditor(s) and ask them verify the information. They send it back to the credit bureau and the credit bureau has a set amount of time to report back to you in writing of its findings. So it may take a few letters. Also know that if an account is being disputed, they cannot report negative information, other than state "account is being disputed by consumer".
Mr. CP, Unregistered posters like the original poster above,
Mr. CP,
Unregistered posters like the original poster above, who ask these types of questions, worded this way, generally have done a poor job of following their Google search results and believe this "forum" is their creditor.
As a rule, we generally ask for more information rather than providing blanket advice regarding FCRA rules and procedures.
We do this because, 99% of the time, these unregistered posters never come back.
Played a fool?
Ohiogal - I'm fairly sure Mr. C.P. knows this. I hate to have to leave my identtiy and hide behind an unregistered poster but we don't need to beat a dead horse. You do have good info and likewise given me favorable remarks fo my. Thanks!. However, after getting the kids off to school yesterday morning I checked my email and oh my gosh! I had emailed Mr. CP from the email he left in a post to Paul the night before he inundated my my email.
I only reviewed a fraction of it and he must have thought I was Paul (lol). Yet as he stated he did backed everything up! PDF's of legal docs, links to the state agency he works for, the court cases, police reports, the businesses he owns, and him even attending OSU for law. I called and acted like his wife / girlfriend and the admin dept. did confirm his enrollment.
He had quotes from you and a few others with contradicting info. i.e. You know how you two were debating on the whole sending checks and sending it certified mail? Well, did you ever see / read Good Nelly's article of "[FONT=Calibri]FIA Card Services ??? What are the key complaints against them?" [URL="http://www.debtconsolidationcare.com/identity-theft/boa-fia-cardservices.html"]http://www.debtconsolidationcare.com/identity-theft/boa-fia-cardservices.html[/URL][/FONT]
[FONT=Arial][SIZE=3][FONT=Calibri]Unfortunately Nelly does point out what they were doing once they got your bank account numbers. You did blast and bast him, but you didn't post the same on or under Nelly's article. [/FONT]
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He also pointed out other erroneous info we have posted. I'm not saying you and the other have not helped people. But I do feel that you guys jumped the gun with a have made a lot of false assumptions about him!
I did contact his business and spoke to some lady. They are a non-profit and only deal with people who involved with this...
http://www.creditlaw.com/debt-collection-methods/bank-of-america-and-cach-llc-involved-in-suspicious-debt-collections-happenings/ Despite what you think and have assumed - you know that makes an ass of you and me - I seriously don't think the guy was here to obtain business or create a bunch of drama.
I further spoke to an attorney with one of the law firms the lady gave. The attorney pretty much confirmed the documentation I reviewed and a number of questionable things I thought he had posted too. I generally dont entertain or take stock in such posts as you see what it brings on. If it way out of line then I will make corrections.
The guy may have been a bit overly detailed, but based on what Mr. CP sent me which matches with the courts, his business names, all of the documentation, from what this lawyer told me, I think you guys were trolling his post and he really wasn't providing misinformation as Paul said.
Do you remember this thread?
http://www.debtconsolidationcare.com/paydayloan/about64280.html and I was a part of that thread! :D Now do you guys know who I am? hehehe
You guys are and can be a bit over the top with your Mod powers. I don't abuse mine and all I am saying is IF you disagree, fine! But to blast the guy from the start crying BS, BS from the start when he can back up he claims, only agrees with the thread above where the guest / newbie got the same treatment. That was back in 2009 for God's sake and I thought we were past that. You guys know who you are. Can't we all just get along? :confused:
Back to my real identity and our regular scheduled programing! :D
Quote:He had quotes from you and a few others with contradicting
Quote:
He had quotes from you and a few others with contradicting info. i.e. You know how you two were debating on the whole sending checks and sending it certified mail? Well, did you ever see / read Good Nelly's article of "FIA Card Services ??? What are the key complaints against them?" http://www.debtconsolidationcare.com/identity-theft/boa-fia-cardservices.html Unfortunately Nelly does point out what they were doing once they got your bank account numbers. You did blast and bast him, but you didn't post the same on or under Nelly's article. |
I don't see that I posted under Nelly's article. I don't think I've read it, honestly. Hence, no response from me in that thread/article. Frankly, I've corrected Nelly a number of times in this forum and in the Answers section as well so, I'm not sure what you're getting at.
As for the certified mail thing, I stand by my response. I don't see a need for spending the extra money when you're simply mailing a payment. Unless it's a very large payment, your final mortgage payment, final car payment or something of that sort, your canceled check or your credit card or bank statement is plenty of proof that the payment was made. And, if you've done your due diligence and had the debt validated and gotten your settlement agreement in writing, THAT along with your proof of payment is more than enough to fight anything that may or may not come up later.
I do, however, constantly tell people to send DV letters via CMRRR.
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He also pointed out other erroneous info we have posted. I'm not saying you and the other have not helped people. But I do feel that you guys jumped the gun with a have made a lot of false assumptions about him! ... I seriously don't think the guy was here to obtain business or create a bunch of drama. |
I also pointed out erroneous information he posted.
He stated that he started a consumer protection company. He showed up here without introducing himself and started answering threads that were over a year old. Based on experience, that's someone who's trying to drum up business.
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Do you remember this thread? http://www.debtconsolidationcare.com...bout64280.html and I was a part of that thread! Now do you guys know who I am? hehehe |
Yes, I do. And probably :)
Quote:
You guys are and can be a bit over the top with your Mod powers. I don't abuse mine and all I am saying is IF you disagree, fine! But to blast the guy from the start crying BS, BS from the start when he can back up he claims, only agrees with the thread above where the guest / newbie got the same treatment. That was back in 2009 for God's sake and I thought we were past that. You guys know who you are. Can't we all just get along? |
I wasn't involved in the situation in the other thread from 2009.
But, I absolutely will continue to state my opinion when I disagree or when someone is outright wrong. I don't think I'm over the top. I state my opinions and I delete SPAM, duplicate posts/threads people's personal information, links, advertisements, parrot posts/threads, etc. I don't think that's misusing my "Mod powers."
I appreciate your opinion and your research but, you haven't changed my mind about this guy. :D