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     | Tuesday, February 22, 2000 - 02:02 pm  Hello, We have been cleaning up our reports, getting items re-verified and updated. We are not doing anything flaky, just having stuff corrected. Two months ago we noticed an old charge-off had been sold to another agency. All was well except the "reported" and "status" dates had been changed. This made the item appear new and moved the date until it comes off up 5 more years. I wrote two letters, sent them certified requesting re-investigation and correction. We don't want the item deleted, only have the correct date put back. Twice now, we have received the copies of the report back and the item was not touched. It appears the persons at the bureau aren't even reading my letters. I also requested twice I be provided with the contact info as per the FCRA. They have not given me any info as requested. The last letter I sent I even included an older copy of their own credit report showing the correct date of charge-off, and status. What can I do now? I'm really angry for them wasting my time and money for such a simple correction. How can I sue as per the FCRA? Small claims? All replies welcome! Thanks! Steve
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| | Wednesday, February 23, 2000 - 03:13 am Steve: I came to my wits end with all three credit bureaus and Fleet Bank (who was reporting the inaccurate information) and am now in Federal Court suing all involved. It is not something I wanted to do it was something I was forced into. As you have, we had written, phoned, faxed all involved and NEVER did they take any effective measures to correct their damaging errors. In my opinion only (as I am not an attorney) I would contact a consumer attorney (usually they will take this type of case on contingency) and tell them what you have been through and let him/her decide if you have a valid case to hold them accountable in a court of law! Since my story was published at http://www.consumeraid.org/creditnightmare.htm I have recevied hundreds of letters like yours, you are not alone and it is time to force these corporations to adhere to the minimal consumer protection laws we have. Additionally, you should forward a complaint to the FTC.gov and to your Congressional Representative. The FTC states they can not take on individual complaints but they compile the complaints and act when they see a "pattern of abuse". I wonder what that magical number is to prove a pattern? It would seem to me that the inumerable lawsuits filed by consumers alone should show a pattern of abuse..... It is frustrating, exhausting and draining to continually be forced to monitor our credit records and I believe the FCRA needs to be both amended and strengthend and ENFORCED!
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| | Wednesday, February 23, 2000 - 01:25 pm Thanks for the reply! I really think the date was changed to beef up the portfolio of the Collection Agency. Clearly a fraudulant act.
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