So I get daily calls every half hour or so from the following number:
(515) 453-2972
It comes up on the caller ID as "IOWA CALL"
So I get numerous recorded messages on my machine to call back "Timothy" at:
800-665-5315
When I googled that number, it came up with YMCA. LoL
I live nowhere near Iowa, and I'm positive it's a CA calling, but I don't know which one, and I'll be darned if I'm going to talk to them on the phone. If I can figure out who it is, I will send them a DV letter.
Thanks!
Jenna
Sincerely, Senior Citizen
Your understanding of credit bureaus is not completely correct. They gather information from creditosr who PAY them to report your payment history and habits. There is no requirement that any creditor HAS to report. They are providing a service. Use an example of Citibank....they pay to subscribe to the credit bureaus....they report to the bureaus for a fee....they also can pull reports, usually for a fee. The credit bureaus dont make up the bad information...it is coming from YOUR creditors. You get denied for credit because you creditor has reported negative information. The law does require that the information being reported is factual. So if you have bad credit, it is not the bureaus fault...it is yours!
Sub: #51 posted on Wed, 06/09/2010 - 09:26
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Therefore I sent them a registered letter asking the type of debt and name of the original debt holder and a request not to ring my phone again. I also sent a letter of complaint about them to the Attorney General in my state and to the Attorney general in their state of Iowa at:
Tom Miller, Attorney General
State of Iowa
1305 E. Walnut Street
Des Moines, IA 50319
I also plan to sent a letter of complaint to the Federal Trade Commission and the Better Business Bureau asking how the Bureau can give them an "A" rating, with all the complaints againt them.
Sub: #52 posted on Wed, 06/09/2010 - 09:29
Too many people jump to conclusions and waste valuable time with government agencies when they could easily resolve the issue themselves. Maybe CBE has an A rating because complaints like yours are unwarrented.
Sub: #53 posted on Wed, 06/09/2010 - 09:38
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Your understanding of who is at fault regarding inaccurate credit reports is incorrect. It is often not the fault of the consumer being reported upon.
For example, at one time a Credit Bureau was reporting my address to be in a town I had never lived in and on a street I never heard of. This was certainly not my fault. But my attitude was, if the Credit Bureau wants to sell faulty information and businesses want to buy it, it is their business. Until of course I can prove some monetary loss due to their selling inaccurate information, in which case I could sue them for the monetary loss and attorney fees.
Sub: #54 posted on Wed, 06/09/2010 - 09:40
Sub: #55 posted on Wed, 06/09/2010 - 09:48
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You are the one wasting time with comments you know nothing about. I have no grandchildren or any association with student loans, or any other debt. It is up to the Attorney General as to whether they are breaking any laws - not up to you. If you can read my paragraph, you will see that I have communicated with CBE via a registered letter to find out what debt with whom they are trying to collect. Whey I call the number they provide, I cannot reach a human being.
Sub: #56 posted on Wed, 06/09/2010 - 09:49
Apparently you don't comprehend what you read. No one said the Credit Bureau makes up information. No one said their information didn't come from creditors. What was said was the Credit Bureaus sometimes sell faulty information and businesses buy it.
You are the one who made up information when said if the Credit Bureau sells faulty information on me IT IS MY FAULT!!
You reallyl don't understand what you are talking about.
Sub: #57 posted on Wed, 06/09/2010 - 09:53
CBE could be calling you in error. People do make mistakes. All I was saying is it is not necessary to call out the national guard until you determine why they are calling.
Sub: #58 posted on Wed, 06/09/2010 - 10:06
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You don't comprehend the situation here at all. Likely they were skip tracing for someone else and somehow got my name and address mixed up in it. And I've said repeatedly I don't care about the opportunity to straighten out faulty products sold by Credit Bureaus. I don't volunteer to help McDonalds put out a better hamburger and I'm not volunteering to help Credit Bureaus put out a better product. That's their responsiblity not mine.
If I suffer a loss due to an illness from a bad hamburger I will sue.
If I suffer a loss due to a bad credit report I will sue.
But in no case will I volunteer to help either business put out a better product. That is their responsibility. If you can't comprehend that, I guess you're doomed to do volunteer work for big business.
You seem to be a big volunteer cheerleader for them on this site.
Sub: #59 posted on Wed, 06/09/2010 - 10:09
What is your point of this wasted thread? You refuse to fix errors. That is YOUR choice and responsiblity. Live without credit...
Unfortunately their are only 3 major bureaus and it one is reporting wrong, more than likely the others will too. And you cant sue a credit bureau for bad information if you dont take the steps to fix it or dispute it. That is what the FCRA is for.
Sub: #60 posted on Wed, 06/09/2010 - 10:53
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