Pardon my typos my spelling sucks! 1st Question, can a agency sell an account (junk debt) after it has been disputed, and removed from your credit report? In the late part of I recieved a collection call from a company OSI/Outsource Solutions Inc., on a credit card I had never had. I requested it be validated in writing and disputed the account in writting, ordered my Equifax and disputed it there a s well. It was removed, now a few months ago another company called on the same bogus card in June of 1995. I told them the item was disputed and removed and to leave me alone. Well they just wouldn't quit! Telling me they had the debt now and I had to pay them or send them letters too dispute it, they of course wanted all my info as well and I refused to give it to them, I refused to write a dispute letter as I had already done this with the previous owner and the suposed credit card company (Providian). I told them it was removed from my credit reports they could call all, they wanted as it was their phone bill.
In January of this year I ordered new reports, and yep you guessed it, they are back! Listing the original card (providian), then another listing from Lvnv Funding. I disputed with all three credit companies the listings again, recieved letters they were removed. Thinking it should end now surley. NOPE, I get another call, I inform the caller the items have again been removed from my reports and they better leave me the hell alone, I'm a bit pissed off now! I'm informed they will put them right back on my credit reports, in a few weeks and I will have to deal with this company sooner or later! OK now I am really pissed, I call the credit bureas and they tell me, the companies can indeed just repost the items, with no proof. I say how can this be, you removed them due to lack of evidence correct? Yep, but they can still repost. WTF is that? I spend hours ordering the reports, more disputing the incorect info, so these blood suckers can replace it with a push of the button!
So I call, the jerks back (LLNV Funding), to get their stupid address oh yea, they are actually collecting for Resurgent Capital, and it may take a while for the paper work to get passed around, I said like hell give me their address and I have sent, return receipt their own personal dispute letter (with a few choice words of my own!). What is there to stop them from selling this again, or the night mare? Yes I have copies for my records. The posts they put on my credit reports have in fact changed the original dates, (Re-dated) to appear like a new items. Even if this had been mine the longest it could appear on my report is 05, they say they can report until 2012? And they put back the Providian original file so it looks like two accounts?
When I ordered the reports in January, I ordered a set for my boyfriend, as well. His credit looks good, with just a few minor stuff on medical, we missed, and are paying. Then on February 28, he recieves a letter from a RJM Acquisition Funding LLC on a credit card debt aquired from Associates National who got it from, oh they cant tell us the original creditor it came from. The card was suposedly opened in June 1996? They show a partial ss# and want $2,129.44 of the original $3549.? Oh by the way he never had a card either, when I mentioned this was never his card, nor did not appear on his credit reports, they informed me don't worry it will soon. We sent them a letter too.
Can they be getting red flags when we order our credit reports, to know who cares about their reports. Then create these bogus, accounts and then jump in for the kill?
I'm just really frustrated we want to buy a home and have worked so hard to pay our debts, and this s*t is bogus! We have over $20,000.00 in medical not in collections we currently pay $485.00 a month to keep the medical bills out of collections. Thats more than our rent! I'm told even if I just pay the debt, it wont go away? It will in fact redate and it will stay negative even if paid until 2012?
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