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Recent Consumer Report questions

Should a debtor challenge in writing the accuracy of an item

Should a debtor challenge in writing the accuracy of an item on their credit report how long does that creditor to produce documentation? 5 days? 6 months? FCRA

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LegalGems

Juris Doctorate

18,156 satisfied customers
I have a debt that keep showing up on my credit report from

I have a debt that keep showing up on my credit report from 2009 and it has doubled in the amount owed. Do I have to pay this? Am I past the statue of limitation for GA, can I be sued?JA: Because laws vary from place to place, can you tell me what state this is in?Customer: GAJA: Have you contacted the manufacturer?Customer: they called me todayJA: Anything else you want the lawyer to know before I connect you?Customer: no

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Loren

Juris Doctor

43,816 satisfied customers
I noticed a collection account on my credit report and wrote

I noticed a collection account on my credit report and wrote a letter to the collection agency to validate the account. They wrote me back saying I did not provide them with information on the account and they have sense updated the information on my report to say "consumer disputes". I again wrote them asking them to please provide me with information showing that I have a contract with them, when I signed it and how much money they gave me. They again wrote me back saying that they validated the account and reported to the credit bureau that "consumer disputes". They are violating my rights under the FCRA, so what should be my next step with them? I would like to file a lawsuit against them if that is possible.

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Loren

Juris Doctor

43,816 satisfied customers
I am trying to get incorrect items off my credit report. i

i am trying to get incorrect items off my credit report. i have written to the credit card companies for specific information, that i am allowed according to the fair credit reporting act and fair debt collection practices act. the companies i have contacted have not responded within the required amount of time and i am ready to file a small claims action against them. I want to know if i can file a small claims against a company in another state and if so how do it do it?

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Loren

Juris Doctor

43,816 satisfied customers
I walked into a cellphone store to ask questions ONLY. I am

I walked into a cellphone store to ask questions ONLY. I am on an account with my husband. I asked about each plan, how much GB, how much to add a tablet to exsisting account, asked that IF I were to have a separate account in the future could I be grandfathered in on the same plan.The Sales associate then asked for my license and Social Security number. I thought it was to confirm I was on my husbands account. He returned and told me that since the carrier no longer offered that plan I should stay on with my husband. I told him I was comparing prices but nothung was going to happen that day. Just inquiring. He answered the other questions and I left the store.2 days later I get a message from my identity alert. The Message read that someone made an inquiry on my credit. It was the Cellphone Store!I went up to the store the next day. The store manager said the rep was not working that month. He checked out the info and agreed that the rep should not have had my Credit pulled. He tried to no avail in finding out how to reverse it. He called headquarters, his District manager etc. They all said it was irreversible but that it was a soft pull. I asked the Store Manger to please stay on top of this and give me a call once he had some answers.The next week, he text me and said they could not find an application or contract under my name. I replied, " Of course not I did not fill out a contract nor did I give them permission to pull my credit.He did not reply.It is now August. I have yet to hear back from the store. I waited to see how much damage this soft pull would do. The first hit my Experian in June like 24 to 30 points. I then contacted my Credit Repair agent who helped me get medical collections off my report. I hired them in March/April as I had plans to purchase a home by July/August. I had planned to open an In home Daycare as in September I will be cut to Part Time hours as school begins. I am currently a nanny. The agency was a ble to help me clear the Medical collections off my report bringing my score up to a Fair and good one so that I could apply for the loan my realtor and Mortgage broker said I qualified for when I get my score up. I began looking at homes again and up til my credit was hit, I thought I had found the home I wanted. I was devastated and slightly depressed. How could this have happened? I was so close to becoming an entrepreneur! I have my Daycare Name, children lined up and everything!The Credit Repair Agency gathered my information along with a letter stating what happened that day. They have yet to hear back from the Cellphone Business. Fast forward to August. On August I received another alert. This time it was from Equifax. I checked it and thus time, I was in tears. I have been in tears everyday ever since. The fraudulant inquiry this cell phone business made has lowered my score with Equifax -52 points!!! FIFTY TWO POINTS!!! I am disgusted at how I was so close to obtaining this goal and then someone who was not trained properly can come in and mess everything up. By June my score was up to 736 on my Consumer Report. By August, this unauthorized illegal inquiry knocked it down to 684!I mean business now! This has gone way too far. I contacted the Bueau whobsaid all tgey need is for the Cellphone Company to contact them about the incident. I called the headquarters. After 45 minutes going from department to department, a gentleman said no one could help me but he said he was willing to speak to the bureau and tell them it was unauthorized.I couldn't call him til the following week because I had already wasted work hours trying to figure this out.I contacted the Credit Repair Agency. We did a conference call to the company headquarters. Each department said they could not help. Finally they sent us to Financial Services. He concluded that no one in that building could help. He h u ng up the phone on us. Yes, I recorded the whole conversation. I have learned my lesson about trusting this company. One rep said that an account was created in my Maiden name. I did not authorize this. He said it was not activated and no phones on it but dies show they made an inquiry on my credit.The next day we called corporate Executive President office. The analyst for executive presidentry stated that they have no idea why neither the store more headquarters in Ohio contacted the companies Credit Dispute department nor gave me the number. She asked me to submit a letter which we already had written up. I emailed it immediately. The next day, August 10th she sent me an email saying they can not find an application under my name. (Hmmm, I wonder why)? So she's now asking th a t I send a copy of the Credit file and a c opy of my Drivers license to prove my complaint is true.This is quite overwhelming. I will send in what she asks. Should I seek an attorney to sue for fraud and seek restitution for anguish, time-lapse in home purchase etc?

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Law Educator, Esq.

Attorney At Law

Doctoral Degree

116,788 satisfied customers
I just bought an insurance policy car. I got an official

I just bought an insurance policy for my car. I got an official quote of 1200 dollars a year, on company letterhead, with a date and a 'valid through' period. I bought the policy within that period but then found out I was being charged 1700 dollars a month. The insurance company refuses to do anything about it. Is there anything I can do? This seems like fraud.

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TJ, Esq.

Juris Doctor (JD)

11,880 satisfied customers
I signed up .com on May 15,2016. I cancelled

I signed up for WorkathomeEDU.com on May 15,2016. I cancelled today. Under the laws in Michingan, can I stop payment on my VISA?

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Alex J. Esq.

Managing Attorney

Doctoral Degree

22,808 satisfied customers
In Utah, a creditor can go after someone's spouse

In Utah, a creditor can go after someone's spouse for a medical bill. One day I got a letter from a collection company for a $40 bill of my wife's. I knew nothing about this until receiving a collection letter. I called and it turned out the provider had billed the insurance incorrectly, but my wife thought the thing had been paid. This was the creditor's error, not my wife's. They got paid and told me they'd remove it from my credit report. I just found out they did not remove it, they just zeroed out the balance. I now have a collection on my credit report for a debt I never even knew existed until getting a collection letter, and what is more they listed me as a cosigner for this "debt" which only existed because the provider screwed up the billing and of which I had no knowledge until after it was in collection, let alone ever cosigned. Is this legal?

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Loren

Juris Doctor

43,816 satisfied customers
Back in February of this year, a consumer reporting agency

Back in February of this year, a consumer reporting agency ("CRA") provided my consumer report to a small mortgage company. I have never applied for credit with this company or ever had any business relationship with them. Moreover, the mortgage company has been out of business for three years. I exhaustively searched various secretary of state records and the company is indeed no longer in business.I sued the CRA for violating the Fair Credit Reporting Act, specifically 15 USC 1681e(a) and 1681b. We settled out of court.Unbelievably, I just discovered this same out-of-business company has once again obtained my consumer report. I apprised the CRA and they asked me to make a settlement demand.Because the CRA had knowledge that the mortgage company was no longer in business and, in my view, again violated the FCRA, what would be a reasonable settlement demand?

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Law Educator, Esq.

Attorney At Law

Doctoral Degree

116,788 satisfied customers
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