HELP! Nationwide Credit scrwing me!
Date: Fri, 02/16/2007 - 07:09
All of this stems from a fraudalent billing for personal property tax from Fairfax County, VA for a vehicle I sold in 2004. I proved that the vehicle was sold AFTER they forwarded my account to Nationwide for collection. Since then, Fairfax County has sent them letters stating that the account was closed for reasons being THEIR fault, not mine...and to close my account because it was faulty.
Well I thought it was taken care of until recently negative marks have shown up on my experian and equifax credit report from nationwide stating that I have an open collection account. I immediately disputed the account, and within a few days I received an email from experian saying that the account had been verified as open with Nationwide. Frustrated, I called Nationwide and spoke to a gentleman (have his name and direct number) and told him the situation, he advised me that according to their records i didn't dispute the account...but only that my birthdate on the account was wrong (that's total B.S.) He also told me that the account WAS closed on their end. I then asked him WHY they would report back to experian that the account was valid when they KNEW that the account was closed???? He said that's "just the way we do it" Well that seems to me to be something I could sue them over is it not? They are reporting false information to my creditors.
After that he told me to dispute the account again, this time writing a comment about the validity of the account and that it would be taken care of. He said they only report to creditors once a month (total lie) so that it could take up to 3 months to come off my account, but that it would. As soon as I got off the phone with him I had him transfer me to his supervisor (got his name and direct #) and advised hiim of the situation and that I wanted a call back....never called. I then went online and disputed the account AGAIN, and wrote a comment about the account. Well that was Monday....and they AGAIN verified the account as an open collections account that will remain on my score until 2014.
I'm at the end of my rope, how do I get this removed?!?!?! Can anyone help me???
I just checked my credit score...and it has now gone down from 6
I just checked my credit score...and it has now gone down from 609 to 541...no doubt because of this new negative mark....this makes me absolutely FURIOUS!
Accounts in collections lower down the credit scores. You need t
Accounts in collections lower down the credit scores. You need to show your proof to the CA that the account is already disputed with the original company. After this, they have to report your account as disputed with the bureaus.
Nationwide is fully aware that the account was closed and disput
Nationwide is fully aware that the account was closed and disputed by Fairfax County. They have sent full documentation to Nationwide letting them know that my account was forwarded to them in error. Nationwide has even closed my account on their end. The problem lies though in the fact that they are still reporting to my credit bureaus that this is a collection account. Don't they have to remove these marks by law if they themselves know the information to be untrue??? Something doesn't seem right here, how could they possibly be allowed to do that?
Do you have any of the copies that Fairfax County sent to them?
Do you have any of the copies that Fairfax County sent to them? If not I would contact them and get copies. Also I would inform Fairfax that Nationwide still has the account reported as open on your credit report and to have Farifax contact Nationwide once again about the account. Then when you get your copies I would mail Nationwide copies on your own with a dispute letter. And inform Nationwide that if they do not fix this error that you will report them to your states AG, your states department of financial institutions and the BBB.
Good Luck to you.
By law if they are reporting inaccurate info,they must either co
By law if they are reporting inaccurate info,they must either correct it or delete it.This falls under the fair credit reporting act. I would call the original creditor for the debt and ask them if they wished to be named as a codefendant in a federal lawsuit since they were the one to assign it to collection agency.
FACTA amended the FCRA in 2003 by allowing consumers to dispute
FACTA amended the FCRA in 2003 by allowing consumers to dispute their credit accounts directly with a data furnisher. Prior to FACTA, consumers could only dispute their credit reports through the bureaus.
Under FCRA, data furnishers have a duty to report factual information. Upon a notice of dispute, they are obligated to investigate the dispute, and update/correct any information that is found to be inaccurate. FCRA also requires them to do this within 30 days (not 3 months).
See http://www.ftc.gov/os/2004/11/041119factaappg.pdf for a general scope.
puddlejmpr and cajun have given good information. First, you should find the mailing address for Nationwide (do not correspond by email or phone). Their address should be on your credit report. Draft a dispute, indicating that the account has been resolved through Fairfax County, and that it was a billing error on the county's part and a debt never existed; provide any relevant documentation you have from the county. Then send your dispute Certified, Rtn Rcpt Requested.
Nationwide will have 30 days to respond and, if the information is inaccurate, remove it from your credit reports. If they don't, you will have a cause of action under the FCRA.
Do the credit bureaus have an obligation (or tendency) to delete
Do the credit bureaus have an obligation (or tendency) to delete info if some documentation supporting the dispute is sent directly to them?
eg. could the above person send in the info from Fairfax County directly to the credit bureau?
I have a similar case where a collection (or debt buying) firm reports a debt that was discharged in bk. Could I send Experian a copy of the creditor list?
They are supposed to accept documents from a consumer.Since your
They are supposed to accept documents from a consumer.Since your debt was discharged in a bankruptcy,sending proof to each bureau should remove the incorrect info. Remember that debts discharged in a bankruptcy preceeding are illegal to collect on in any way shape or form. The only legal way to collect on a bankrupt debt is when the debtor reaffirms that debt thru the court.