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Recent consumer protection law questions
My name is ***** ***** old credit union (I hadn't used
Hello, my name is ***** ***** old credit union (I hadn't used in years) charged off a bank account in my name (for $124) without advising me of the closure or notifying me that there was a balance (I had moved to another city). I paid off the amount after I started monitoring my credit and noticed it there, unfortunately they reported the pay off to all 3 credit beaus (no credit union account was even present on 2 of the 3 beaus prior to the paid off).I was recently turned down for a loan because of the neg entry (the only one on my report). The finance company (that turned me down) informed me that they would have approved the loan if not for that one neg entry.Since creditors have no mandatory obligation to report to a credit beau I want to have my attorney send the credit union a letter asking them to defend 1) why the charge off happen, 2) what efforts were made to contact me, 3) how were fees calculated, 4) whos decision was it to close my acct, 5) was the time interval comparable for closure/charge off similar to other customers.I want to ask them to remove the neg entry or we will file a law suit for the $35,000 amount denied me exclusively due to their neg entry AFTER I PAID THEM. Does this strategy make sense?
The FCRA says something about multiple inquiries
The FCRA says something about multiple inquiries for a single purchase, like a car or a house, should be counted as a single inquiry since many people shop for credit for such purchases. With 3 auto purchases over the past year and a half, I have things like an inquiry from a dealer plus 2 inquiries from other possible funding sources. Experian says their policy is to only delete inquiries that are within 30 days and from the same source. They also say they do not contact anyone about disputes over inquiries because inquiries are exempt from the regular dispute procedures. How can ANYTHING that affects one's score be exempt from dispute procedures? They claim that the only way I can get the excess inquiries removed is to get a letter from the inquiring firms stating that their inquiries were not authorized. I suppose that they were really not authorized, since they were places the dealer contacted, and I had no idea anyone besides the dealers were going to pull my credit. But what company will write a letter saying they did an unauthorized inquiry? What exactly DOES the FCRA say about this? Is Experian acting in accordance with the law?
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?
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?
Through arbitration, I came to a settlement with a bank for
Through arbitration, I came to a settlement with a bank for a business line of credit.It involved 42 monthly payments. After @ 30 payments I made an offer for a final payment/settlement for less than the remaining 12 payments.The attorney who was receiving payments did a hard check with my credit report.This does not seem to fit the general category of someone who has a right to monitor my credit because of a credit agreement.Was this attorney in breach of the law?(I have been working with a credit repair agency and have minimized any hard checks. This one showed up as 1 of 5 for the year of 2015).thanx, Mark
Counselor at Law
Based on the information I received from myBankrate, Credit
Based on the information I received from myBankrate, Credit Karma, Equifax, TransUnion, and Experian, my Credit Score is in the range of 712 -738. There are a few negative items.I applied for an Auto Loan at AutoNation Honda, Rick Case Honda, Wells Fargo Bank, Bank of America, CARMAX, Ford Motor Credit Co., Nationwide, OpenRoad Lending & few other, the info received from the 3 credit agencies are completely different from what I have plus accompanied by an "adverse factors" list as follows:"We also obtained your credit score from the consumer reporting agencies and used it in making our credit decision. Your credit score is a number that reflect the information in your credit report. Your credit score can change, depending on how the information in your credit report changes. Your credit score was XXX, (the range stated goes from 512 - 567), as of September XX, 2015. Credit scores can range from a low 250 to a high of 900. The key factors that adversely affected your credit score are:• Serious delinquency and Public record or Collection filed• Too Few Accounts Currently Paid as Agreed• Lack of Recent Bank/National Revolving and Mortgage Balance Information• Level of Delinquency on Accounts• Inquiries Did Impact the Credit Score, But No Derogatory Information Was Found"I discussed the discrepancies with a Customer Service from Equifax & she wasn't able to tell me why there was a difference from the one received and the one by the Auto Loan companies. I checked with the Finance Mgrs. to determine whether their info came directly from credit agencies or 3rd. - party. They stated they did NOT use 3rd. parties.I showed them my reports, nobody could figure out the discrepancy, (over 150 point's difference). Only Wells Fargo Bank & an Auto Finance company extended credit however the APR was 13% which was higher than rates on the Credit Score provided to me.I asked the Credit mgrs. & Customer Service from Equifax whether the different "credit inquiries hits" would affect the Credit Score, they told me it was being done in a short period of time, and it was understood that I was shopping for a car and they would be considered 'one inquiry'. Bank of America & others did taken into consideration as "too many credit inquiries".The Financial institutions tell me the problem is Equifax and other credit agencies. Equifax tells me there is nothing to "repair" because the information I have is the one they reported. There is a discrepancy of my credit info between the 3 credit agencies and financial institutions. (The same occurred when I applied for a cr. cd.) It would help where is the problem to correct it and the same information on Credit Score and info to be supplied.Your cooperation on this matter is greatly appreciated.
We sold a pickup to a couple from out of state. We had work
We sold a pickup to a couple from out of state. We had work done on it before selling it. After the couple had it for a few months it started smoking and they had to replace what our mechanic did. Cost of over $4,000 (Replaced all the injectors...). Also we had bought a part that our mechanic said he put on for us, but the mechanic that did the work for the couple said it was never done. Our mechanic is refusing to to do anything about this and the couple wants us to do something. The couple had done research on the truck before we sold it to them and knew this type of vehicle had this problem, but we assured them we had it fixed and showed them the paperwork from our mechanic. They said they would not have bought it if the injectors had not already been replaced. Is there anything we can legally do?
I am disabled and have a home attendant 4 hrs a day,3 days aView more consumer protection law questions
I am disabled and have a home attendant 4 hrs a day,3 days a week. Last Monday I confronted her regarding $35.00 she withdrew using my food stamp card without my permission. The ridiculous response she began responding was making me very angry. I thenasked her about the 5 phone calls to Kingston, Jamaica using my home land line. She said she asked me...which was a lie!!! I was on a roll...so, I asked why she had never given me her time card to sign ; her response was I'm not here sometime. So, if i'm notat home you sign my name as if you had worked the 4 hrs? When she said "yea, and what"... that was the final straw! Not only do I want her arrested, the agency has committed fraud against Medicade. Please respond