How JustAnswer Works:

  • Ask an Expert
    Experts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional Answer
    Via email, text message, or notification as you wait on our site.
    Ask follow up questions if you need to.
  • 100% Satisfaction Guarantee
    Rate the answer you receive.

Ask Anne Your Own Question

Anne
Anne, Master Tax Preparer
Category: Tax
Satisfied Customers: 1915
Experience:  Enrolled Agent with 25 Years Experience specializing Individual and Small Businesses
5242771
Type Your Tax Question Here...
Anne is online now
A new question is answered every 9 seconds

Entry in Public Records - State tax lien paid, released

Resolved Question:

State Franchise board lost my tax record for year 2005, sent me a notice in 2008 Feb/March that i have not filed my tax, sent them a copy of tax and details of refund and they accepted with a notice that case closed in July 2008. Applied for credit today, got rejected, checked my credit report and there is an entry from them in Public record with status - state tax lien paid, released.

Will this affect my credit history for long time. Can i sue them for this? If so what are the expenses involved?

Thanks
Submitted: 6 years ago.
Category: Tax
Expert:  Anne replied 6 years ago.

HiCustomer/p>

 

Thank you for using justanswer. When you get a copy of your credit report, you should also have received a dispute form. If you didn't get a dispute form, you may write a letter, detailing any items that you feel are incorrect on your report. In this way you are requesting a reinvestigation into your file.

 

Under the federal Fair Credit Reporting Act (FCRA), the credit bureau you submitted your dispute to has 30 days from the date it receives your letter to conduct its investigation. This 30-day period can be extended to 45 days, if the agency feels you didn't provide enough documentation to support your dispute. If the credit bureau can no longer verify the debt, or it is outdated, the bureau must immediately remove those items from your report. Within five days after completing the investigation, the credit bureau must inform you in writing of the results, which should include a new credit report reflecting any deletions, changes, or insertions.

 

As far as bringing legal action,to learn if a private attorney would be interested in taking your complaint on contingency, contact a member attorney of the National Association of Consumer Advocates.

 

If you believe a credit bureau is not complying with the FCRA, you should report it to the Federal Trade Commission.The FTC accepts complaints on its website Complaint Page or by phone at 877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261

 

You can also send your complaint by mail to:

Federal Trade Commission
Consumer Response Center XXXXX NW
Washington, DC 20580

The FTC does not resolve individual consumer disputes. But your complaint, comment, or inquiry may help them spot a pattern of law violations requiring law enforcement action. It also may help them recognize and tell people about bigger trends affecting consumers.

 

In general, negative information stays on your report no more than seven years from the original date of delinquency. Bankruptcies can stay on your report for up to 10 years.

 

I hope this helps

 

If you have found my answer helpful, please click the green "accept" button as it is the only way we get paid.

 

Positive feedback and bonuses are always appreciated.

.

Anne, Master Tax Preparer
Category: Tax
Satisfied Customers: 1915
Experience: Enrolled Agent with 25 Years Experience specializing Individual and Small Businesses
Anne and other Tax Specialists are ready to help you

JustAnswer in the News:

 
 
 
Ask-a-doc Web sites: If you've got a quick question, you can try to get an answer from sites that say they have various specialists on hand to give quick answers... Justanswer.com.
JustAnswer.com...has seen a spike since October in legal questions from readers about layoffs, unemployment and severance.
Web sites like justanswer.com/legal
...leave nothing to chance.
Traffic on JustAnswer rose 14 percent...and had nearly 400,000 page views in 30 days...inquiries related to stress, high blood pressure, drinking and heart pain jumped 33 percent.
Tory Johnson, GMA Workplace Contributor, discusses work-from-home jobs, such as JustAnswer in which verified Experts answer people’s questions.
I will tell you that...the things you have to go through to be an Expert are quite rigorous.
 
 
 

What Customers are Saying:

 
 
 
  • I really was impressed with the prompt response. Your expert was not only a tax expert, but a people expert!!! Her genuine and caring attitude came across in her response... T.G.W Matteson, IL
< Last | Next >
  • I really was impressed with the prompt response. Your expert was not only a tax expert, but a people expert!!! Her genuine and caring attitude came across in her response... T.G.W Matteson, IL
  • I WON!!! I just wanted you to know that your original answer gave me the courage and confidence to go into yesterday's audit ready to fight. Bonnie Chesnee, SC
  • Great service. Answered my complex tax question in detail and provided a lot of additional useful information for my specific situation. John Minneapolis, MN
  • Excellent information, very quick reply. The experts really take the time to address your questions, it is well worth the fee, for the peace of mind they can provide you with. Orville Hesperia, California
  • Wonderful service, prompt, efficient, and accurate. Couldn't have asked for more. I cannot thank you enough for your help. Mary C. Freshfield, Liverpool, UK
  • This expert is wonderful. They truly know what they are talking about, and they actually care about you. They really helped put my nerves at ease. Thank you so much!!!! Alex Los Angeles, CA
  • Thank you for all your help. It is nice to know that this service is here for people like myself, who need answers fast and are not sure who to consult. GP Hesperia, CA
 
 
 

Meet The Experts:

 
 
 
  • Wallstreet Esq.

    Tax Attorney

    Satisfied Customers:

    570
    10 years experience
< Last | Next >
  • http://ww2.justanswer.com/uploads/KU/KUMI95/2013-9-30_195031_kumar.64x64.jpg Wallstreet Esq.'s Avatar

    Wallstreet Esq.

    Tax Attorney

    Satisfied Customers:

    570
    10 years experience
  • http://ww2.justanswer.com/uploads/CU/Cuttinggirl/2011-10-29_03719_wcrop2.64x64.jpg Wendy Reed's Avatar

    Wendy Reed

    Enrolled Agent

    Satisfied Customers:

    3052
    15+ years tax preparation and tax advice.
  • http://ww2.justanswer.com/uploads/CATax/2009-08-04_204548_Mark.jpg Mark D's Avatar

    Mark D

    Enrolled Agent

    Satisfied Customers:

    985
    MBA, EA, Specializing in Business and Individual Tax Returns and Issues
  • http://ww2.justanswer.com/uploads/IN/insearchoftheanswer/2013-8-16_0233_attorney.64x64.jpg Richard's Avatar

    Richard

    Tax Attorney

    Satisfied Customers:

    3229
    29 years of experience as a tax, real estate, and business attorney.
  • http://ww2.justanswer.com/uploads/MY/MyVirtualCPA/2012-7-5_44024_cookmegan1.64x64.jpg Megan C's Avatar

    Megan C

    Certified Public Accountant (CPA)

    Satisfied Customers:

    6121
    Licensed CPA, CFE, CMA who teaches accounting courses at Master's Level
  • http://ww2.justanswer.com/uploads/JG/jgordosea/2012-6-7_43138_GordosVeritas.64x64.jpg jgordosea's Avatar

    jgordosea

    Enrolled Agent

    Satisfied Customers:

    2783
    I've prepared all types of taxes since 1987.
  • http://ww2.justanswer.com/uploads/OZ/ozaukeecpa/2012-6-7_193219_Picture1croppedandshrunk.64x64.jpg MequonCPA's Avatar

    MequonCPA

    Certified Public Accountant (CPA)

    Satisfied Customers:

    2231
    CPA, Over 30 yrs experience w/individuals and small businesses. Masters in Tax.
 
 
 
Chat Now With A Tax Professional
Anne
Anne
Master Tax Preparer
1896 Satisfied Customers
Enrolled Agent with 25 Years Experience specializing Individual and Small Businesses