Credit Reporting Agency Problem
Author: paralaxadasacal
Guest
Posted: Mon Jan 05, 2004 11:50 am
I started my fight in 2000, a group called Gulf State Credit LLC claimed that I owed 123$ to SPRINT PCS in Augusta, Ga. I had paid that bill by check and had received that check back from bank with my monthly statement as finalized. Equifax, Experian, Transunion, and CSC carried this on their credit reports. When I disputed it, Equifax and CSC immediately responded and deleted it. No response of any kind from Experian or Transunion. Amazingly Gulf State Credit LLC transferred my account to a company called OSI. No response was received when I disputed it with this company. Now, Sherman Acquisitions has this supposed account and has added an additional 33$ for who knows what reason. They now claim I owe 156$. On my 3rd dispute, I told transunion that I would be seeking legal representation if I received no response this time. Wow, Transunion responded and deleted the account. After only 3 years and 3 seperate companies. BUT, now why does Experian continue to carry this account when the other CRA's have deleted it. A response was received but only stated that the account would remain. No explanation of verification given. Upon calling Experian, I was told that Sherman Acquisitions had been contacted and that the account was still open. We all know by now how hard it is to contact Sherman. So why did the other 3 CRA's delete the account. In my opinion, there are some sleazeball companies out there that DO need to be held accountable, but financial institutes do not contact them when people make applications. Financial institutions contact CRA's. It is the CRA's that are slandering our names and defaming our character on the word of possible sleazes. Why are they not being held accountable also. What happened to innocent until proven guilty?As long as I am willing to pay the CRA, I can screw up my nieghbors record and he will have to prove he is not guilty. I not only want Sherman's butt now, but also Experian's. Do I have a legal case against them and if so what is the best way to start?
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Guest
Posted: Mon Jan 05, 2004 11:50 am
I started my fight in 2000, a group called Gulf State Credit LLC claimed that I owed 123$ to SPRINT PCS in Augusta, Ga. I had paid that bill by check and had received that check back from bank with my monthly statement as finalized. Equifax, Experian, Transunion, and CSC carried this on their credit reports. When I disputed it, Equifax and CSC immediately responded and deleted it. No response of any kind from Experian or Transunion. Amazingly Gulf State Credit LLC transferred my account to a company called OSI. No response was received when I disputed it with this company. Now, Sherman Acquisitions has this supposed account and has added an additional 33$ for who knows what reason. They now claim I owe 156$. On my 3rd dispute, I told transunion that I would be seeking legal representation if I received no response this time. Wow, Transunion responded and deleted the account. After only 3 years and 3 seperate companies. BUT, now why does Experian continue to carry this account when the other CRA's have deleted it. A response was received but only stated that the account would remain. No explanation of verification given. Upon calling Experian, I was told that Sherman Acquisitions had been contacted and that the account was still open. We all know by now how hard it is to contact Sherman. So why did the other 3 CRA's delete the account. In my opinion, there are some sleazeball companies out there that DO need to be held accountable, but financial institutes do not contact them when people make applications. Financial institutions contact CRA's. It is the CRA's that are slandering our names and defaming our character on the word of possible sleazes. Why are they not being held accountable also. What happened to innocent until proven guilty?As long as I am willing to pay the CRA, I can screw up my nieghbors record and he will have to prove he is not guilty. I not only want Sherman's butt now, but also Experian's. Do I have a legal case against them and if so what is the best way to start?
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posted by CardRatings.com at 11:11 AM
2 Comments:
Author: Guest
Posted: Mon Jan 05, 2004 5:54 pm
paralaxadasacal wrote:
I started my fight in 2000, a group called Gulf State Credit LLC claimed that I owed 123$ to SPRINT PCS in Augusta, Ga. I had paid that bill by check and had received that check back from bank with my monthly statement as finalized. Equifax, Experian, Transunion, and CSC carried this on their credit reports. When I disputed it, Equifax and CSC immediately responded and deleted it. No response of any kind from Experian or Transunion. Amazingly Gulf State Credit LLC transferred my account to a company called OSI. No response was received when I disputed it with this company. Now, Sherman Acquisitions has this supposed account and has added an additional 33$ for who knows what reason. They now claim I owe 156$. On my 3rd dispute, I told transunion that I would be seeking legal representation if I received no response this time. Wow, Transunion responded and deleted the account. After only 3 years and 3 seperate companies. BUT, now why does Experian continue to carry this account when the other CRA's have deleted it. A response was received but only stated that the account would remain. No explanation of verification given. Upon calling Experian, I was told that Sherman Acquisitions had been contacted and that the account was still open. We all know by now how hard it is to contact Sherman. So why did the other 3 CRA's delete the account. In my opinion, there are some sleazeball companies out there that DO need to be held accountable, but financial institutes do not contact them when people make applications. Financial institutions contact CRA's. It is the CRA's that are slandering our names and defaming our character on the word of possible sleazes. Why are they not being held accountable also. What happened to innocent until proven guilty?As long as I am willing to pay the CRA, I can screw up my nieghbors record and he will have to prove he is not guilty. I not only want Sherman's butt now, but also Experian's. Do I have a legal case against them and if so what is the best way to start?
.
What happened to innocent until proven guilty?
It went out the door when this came in!
*** Victims of Credit Reporting ***
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Author: nativechild48
Credit Expert (100+ Posts)
Joined: 10 Nov 2003
Posts: 312
Posted: Wed Jan 07, 2004 8:52 pm
Quote:
Gulf State Credit LLC transferred my account to a company called OSI.
OSI is the parent company of Gulf State Credit LLC. OSI and all of its smaller companies are in bankrupt court . Goto www.budhibbs.com
Write a letter to Sherman's CRRR letting them know they need to validate because you have proof to the contrary, and you will be submitting this to your AG and State's Atty. or banking Commissioner and the FTC if this erroneous information is not removed from your Exp. CR...Also let them know if they place this with any other CRA including Exp. in the future it will cause you to file a lawsuit under the FCRA's provisions. OSI sold this to Sherman's evidently and OSI might have bought this before or right at the time of your payment. Sorry to say some OC will still bundle overdue bills even though paid in order to realize a larger profit.
Good Luck
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