collections with "amount past due"

[andsail]

Are jdb's allowed to put an amount in the amount past due section if you have never made a payment with them? Would that be a violation I could use against them? I am new to the boards and would appreciate any help with this matter. I am having major issues with A$$et acceptance!!!

[Trish]

Ew.......I have issues with them too. :p
Yes, showing a "past due" amount is a violation.......meant to tank your score as much as possible.

We were actually just talking about this in this thread. It's also the exact same laws/statutes being violated (FCRA 623 and FDCPA 15 USC 1692e).

You can also file complaints with the FTC, BBB and their state's AG.

[CreditCrisis]

Originally Posted by Trish

Ew.......I have issues with them too. :p
Yes, showing a "past due" amount is a violation.......meant to tank your score as much as possible.

We were actually just talking about this in this thread. It's also the exact same laws/statutes being violated (FCRA 623 and FDCPA 15 USC 1692e).

You can also file complaints with the FTC, BBB and their state's AG.

Curious: are there any kind of exceptions in this case? I have a few accounts that report as "Past due" even though they are just collections and never had a set payment. but some show as "Seriously past due" on experian but show "automated account" on TU. do i dispute directly with the creditor? or is this a CRA violation?

[jjgross]

Originally Posted by CreditCrisis

Curious: are there any kind of exceptions in this case? I have a few accounts that report as "Past due" even though they are just collections and never had a set payment. but some show as "Seriously past due" on experian but show "automated account" on TU. do i dispute directly with the creditor? or is this a CRA violation?

Is it the ca reporting them,because you had no payment plan with them,the cra is reporting what is given to them.I would send the dispute to cra,and see how the ca reports it,then dispute it with the ca.

[Trish]

Yep.......what jj said.
It's a CA violation.....so that's who you need to go after if they verify it with the CRAs.

[CreditCrisis]

Ok in my letter to them do I tell them why they are in violation? Or does that code sum it up? I can demand for removal on these terms?

[Trish]

You can....
jlyrig actually just posted a letter regarding these violations. Take a look here.

[andsail]

For some reason Trish I don't think this will work for me. I was thinking of consulting with an attorney to help with the matter. I have heard horror stories about what A$$et has done to people after making a settlement agreement. IE. filing suit etc. I have multiple errors on my EQ report and A$$et won't fix nor will the cra's. I am getting so fed up. I have the number for a local consumer rights attorney I think I'm going to contact. How did you handle them?

[Trish]

Originally Posted by andsail

For some reason Trish I don't think this will work for me. I was thinking of consulting with an attorney to help with the matter. I have heard horror stories about what A$$et has done to people after making a settlement agreement. IE. filing suit etc. I have multiple errors on my EQ report and A$$et won't fix nor will the cra's. I am getting so fed up. I have the number for a local consumer rights attorney I think I'm going to contact. How did you handle them?

Is this acct still within SOL? How much is the debt for?

[andsail]

Their are two accounts. one is from 2004 for 7k a$$et has it as 15k. No payment was ever made. The secound is from 2003 for $1200 a$$et has it for $3100 and are claiming I made a check by phone payment. They sent bbb some fake documents claiming it's my payment history from the account holder. Funny thing is I never made a single payment!!! I don't know what to do. I'm scarred to contact the company in fear of them showing up on my credit report which I got them off of.