What do I do???

st.cronin · 02-03-2006, 11:47 AM

I have an item on my credit report - it says 81 dollars in collections, has some code, then Sprint Ltd. I have never had a sprint account, to my memory. So I disputed it with the credit agency - zing, comes back a validation in like 5 minutes. The contact info the credit agency gave me is not valid. I call Sprint, and they have no record of me ever having an account with them, anywhere. So, even if I wanted to pay this charge, I have nobody to pay. I called the credit agency and they were unbelievably unhelpful. What do I do?

Tekneek · 02-03-2006, 11:49 AM

Is it on the reports from all 3 bureaus, or just one of them?

st.cronin · 02-03-2006, 11:50 AM

Quote:

Originally Posted by Tekneek

Is it on the reports from all 3 bureaus, or just one of them?

Just one.

Desnudo · 02-03-2006, 11:53 AM

Is Sprint Ltd., Sprint the cell company?

st.cronin · 02-03-2006, 11:55 AM

Quote:

Originally Posted by Desnudo

Is Sprint Ltd., Sprint the cell company?

beats me

I talked to their accounts recievable department, their local service department, their long distance department, several supervisors, etc. Nobody has any record of me ever having an account.

bbor · 02-03-2006, 11:57 AM

Well...if woman can sue for Walmart not stocking the morning after pill.........

Mustang · 02-03-2006, 11:57 AM

hxxp://www.ftc.gov/bcp/conline/pubs/credit/crdtdis.htm

st.cronin · 02-03-2006, 12:11 PM

Thanks, Mustang, but I have ALREADY done that (several months ago).

Tekneek · 02-03-2006, 12:13 PM

Ultimately, if they fail to correct this after disputing in writing (snail mail), you must sue them.

Under the Fair Credit Reporting Act, they do not have the right to cause you harm due to an improper listing. You will win.

st.cronin · 02-03-2006, 12:14 PM

Quote:

Originally Posted by Tekneek

Ultimately, if they fail to correct this after disputing in writing (snail mail), you must sue them.

*sigh*

I'd honestly rather just give somebody 81 dollars, but THERE'S NOBODY TO GIVE IT TO!!!!

Tekneek · 02-03-2006, 12:17 PM

Quote:

Originally Posted by st.cronin

*sigh*

I'd honestly rather just give somebody 81 dollars, but THERE'S NOBODY TO GIVE IT TO!!!!

Due to the Fair Credit Reporting Act, you should do better than 81 dollars if they don't back down and correct it. At any rate, I'd see what an attorney thinks. A nice affidavit that you've never had the contact provided by that bureau, along with a threat of a lawsuit unless they remove the bad listing should suffice.

Ultimately, if you're not willing to defend your good name, who is going to?

Poli · 02-03-2006, 12:17 PM

You can send it to me. I'll take care of it.

Mustang · 02-03-2006, 12:19 PM

If you filed a dispute with the credit agency in question I think the next step is filing a complain with the FTC. Now, if you've done that hmm.. call 'The Clark Howard' show?

Tekneek · 02-03-2006, 12:20 PM

I had an item that was wrong on my credit report once. A single letter advising them the listing was fraudulent and must be removed within 30 days else they would be sued, along with a reference to the FCRA, got it all straightened out. If I had been denied financing for a house/car/etc due to it, I would've gone straight to a lawsuit.

Poli · 02-03-2006, 12:21 PM

Quote:

Originally Posted by Mustang

If you filed a dispute with the credit agency in question I think the next step is filing a complain with the FTC. Now, if you've done that hmm.. call 'The Clark Howard' show?

Better yet: Go to the Colbert Report. You know he's about the truth.

st.cronin · 02-03-2006, 12:23 PM

I was leaning towards calling up one of my friends who went to law school. It seems like you folks are in agreement. It just boggles my mind that the contact information they have is wrong, yet they were able to verify the data as 'correct.'

Drake · 02-03-2006, 12:25 PM

Quote:

I'd honestly rather just give somebody 81 dollars, but THERE'S NOBODY TO GIVE IT TO!!!!

I'll PM you my address.

It might not help your situation, but it will make you feel better.

Drake · 02-03-2006, 12:26 PM

dola

Rats. AE beat me to it.

Tekneek · 02-03-2006, 12:27 PM

Quote:

Originally Posted by st.cronin

I was leaning towards calling up one of my friends who went to law school. It seems like you folks are in agreement. It just boggles my mind that the contact information they have is wrong, yet they were able to verify the data as 'correct.'

They just need to be reminded that they do not have the legal right to fuck you like this. It's your job to make sure they learn this and never forget it.

Antmeister · 02-03-2006, 01:38 PM

First of all, did you report to all 3 major reporting agencies (Equifax, Experion and TransUnion). If you did and no action was taken on in the next 30 days, you are protected by the Federal Fair Credit Reporting Act. This means that if they don't take action in 30 days, the claim is dropped from your records. But you must file a claim to the reporting agencies above. I had to look up the time limit, because I kept thinking it was 90 days. You can ask you lawyer friends for verification, but that is the step you can take.

wade moore · 02-03-2006, 01:46 PM

Quote:

Originally Posted by Antmeister71

First of all, did you report to all 3 major reporting agencies (Equifax, Experion and TransUnion). If you did and no action was taken on it past 30 days, you are protected by the Federal Fair Credit Reporting Act. This means that if they don't take action in 30 days, the claim is dropped from your records. But you must file a claim to the reporting agencies above. I had to look up the time limit, because I kept thinking it was 90 days. You can ask you lawyer friends for verification, but that is the step you can take.

Quote:

Originally Posted by st.cronin

o I disputed it with the credit agency - zing, comes back a validation in like 5 minutes.

.

Antmeister · 02-03-2006, 02:23 PM

Thanks wade, I should have pointed out what you do in regards to disputes. Take a look at this link and read up on the section concerning the Fact Act.

http://www.consumersunion.org/credit...ts/001628.html

02-03-2006, 11:57 AM	#6
bbor Pro Starter Join Date: May 2001 Location: toronto	Well...if woman can sue for Walmart not stocking the morning after pill......... __________________ Pumpy Tudors Now that I've cracked and made that admission, I wonder if I'm only a couple of steps away from wanting to tongue-kiss Jaromir Jagr and give Bobby Clarke a blowjob.

02-03-2006, 11:57 AM	#7
Mustang Grizzled Veteran Join Date: Oct 2000 Location: Wisconsin	hxxp://www.ftc.gov/bcp/conline/pubs/credit/crdtdis.htm __________________ You, you will regret what you have done this day. I will make you regret ever being born. Your going to wish you never left your mothers womb, where it was warm and safe... and wet. i am going to show you pain you never knew existed, you are going to see a whole new spectrum of pain, like a Rainboooow. But! This rainbow is not just like any other rainbow, its...

02-03-2006, 12:11 PM	#8
st.cronin General Manager Join Date: Oct 2004 Location: New Mexico	Thanks, Mustang, but I have ALREADY done that (several months ago). __________________ co-commish: bb-bbcf.net knives out

02-03-2006, 12:13 PM	#9
Tekneek Pro Rookie Join Date: Nov 2000 Location: USA	Ultimately, if they fail to correct this after disputing in writing (snail mail), you must sue them. Under the Fair Credit Reporting Act, they do not have the right to cause you harm due to an improper listing. You will win. Last edited by Tekneek : 02-03-2006 at 12:15 PM.

02-03-2006, 12:17 PM	#12
Poli FOFC Survivor Join Date: Apr 2002 Location: Wentzville, MO	You can send it to me. I'll take care of it. __________________ Cheer for a walk on quarterback! Ardent leads the Vols in the dynasty forum.

02-03-2006, 11:49 AM	#2
Tekneek Pro Rookie Join Date: Nov 2000 Location: USA	Is it on the reports from all 3 bureaus, or just one of them?

02-03-2006, 11:53 AM	#4
Desnudo Coordinator Join Date: Jul 2003 Location: Here and There	Is Sprint Ltd., Sprint the cell company?

02-03-2006, 12:19 PM	#13
Mustang Grizzled Veteran Join Date: Oct 2000 Location: Wisconsin	If you filed a dispute with the credit agency in question I think the next step is filing a complain with the FTC. Now, if you've done that hmm.. call 'The Clark Howard' show? __________________ You, you will regret what you have done this day. I will make you regret ever being born. Your going to wish you never left your mothers womb, where it was warm and safe... and wet. i am going to show you pain you never knew existed, you are going to see a whole new spectrum of pain, like a Rainboooow. But! This rainbow is not just like any other rainbow, its...

02-03-2006, 12:20 PM	#14
Tekneek Pro Rookie Join Date: Nov 2000 Location: USA	I had an item that was wrong on my credit report once. A single letter advising them the listing was fraudulent and must be removed within 30 days else they would be sued, along with a reference to the FCRA, got it all straightened out. If I had been denied financing for a house/car/etc due to it, I would've gone straight to a lawsuit.

02-03-2006, 12:23 PM	#16
st.cronin General Manager Join Date: Oct 2004 Location: New Mexico	I was leaning towards calling up one of my friends who went to law school. It seems like you folks are in agreement. It just boggles my mind that the contact information they have is wrong, yet they were able to verify the data as 'correct.' __________________ co-commish: bb-bbcf.net knives out

02-03-2006, 12:26 PM	#18
Drake assmaster Join Date: Feb 2001 Location: Bloomington, IN	dola Rats. AE beat me to it.

02-03-2006, 01:38 PM	#20
Antmeister Pro Starter Join Date: Dec 2003 Location: At the corner of Beat Street and Electric Avenue	First of all, did you report to all 3 major reporting agencies (Equifax, Experion and TransUnion). If you did and no action was taken on in the next 30 days, you are protected by the Federal Fair Credit Reporting Act. This means that if they don't take action in 30 days, the claim is dropped from your records. But you must file a claim to the reporting agencies above. I had to look up the time limit, because I kept thinking it was 90 days. You can ask you lawyer friends for verification, but that is the step you can take. Last edited by Antmeister : 02-03-2006 at 01:46 PM.

02-03-2006, 02:23 PM	#22
Antmeister Pro Starter Join Date: Dec 2003 Location: At the corner of Beat Street and Electric Avenue	Thanks wade, I should have pointed out what you do in regards to disputes. Take a look at this link and read up on the section concerning the Fact Act. http://www.consumersunion.org/credit...ts/001628.html

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