If you've attempted to clear up any matter on your credit report...you will know that what you are about to read...IS NOT A "LIE"!!!!!!!!!!!!!
**I reported on a creditor: see my ripoff report for: Edwin B. Koressel...busines names: Triangle Group, Koresel Group no longer valid!!! Currently: Triangle Group
I guess you'd say by their account....We are early on....disputes filed March 5th and March 7th, 2005. Disputes filed against above creditor under both my SS#, & my husband's SS#. 30 days...any correspondence...can bump it 15 days at a time. I, as a consumer, feel every day out there...is another harmful day i shouldn't have to incur.
We faxed our proof...immediately...to avoid unnecessary delays...due to History of Creditor--always unavailable. He'd take all of 30...soon as he saw our names.
***However...even after faxing all original documentation to prove the false entries: "FORECLOSURE INITIATED"...we are still being told the investigation is still open...and waiting on a reply from the creditor. ORIGINALLY...after submitting our proof via fax...up front...we rec'd letter...stating didn't pertain to dispute....and more or less deemed "FRIVOLOUS"
Completely ABSURD!!! If all original documents don't pertain...then what does????
***In essence....all contracts deemed null & void, with no force or effect preceding date of agreement, and with no liabilities.
(Seller/Mrtg financer/Builder/Contractor....did to avoid being sued...sold 1/2 of townhouse never approved for division of sale...until 3 years later...and had NO "CERT. OF OCCUPANCY" which had various issues...some attempts to correct, but didn't resolve leaks, pooling, and flooding issues. Building Inspections, Planning & Zoning, and City Atty...involved in 2003...bldg...since summer/fall 2000.)
**LAND CONTRACTS NEVER RECORDED...Lien Release...N/A...documents from Clerks Office provided. WE HAVE NO DEED UNDER OUR NAMES. (all submitted in faxes to TransUnion)
If...you have... NO debt....and you have....NO Creditor...meaning neither EXIST....how can a CREDIT ENTRY exist??? nor a "DEED" w/your names...HOW do you have a Mortgage entry?????
***The creditor always was unavailable....he made false eviction attempts, and even a false Collection Attempt...changing his story (3) times. I fended it all off...everything dropped, and lawyer wouldn't pursue.
****Important FYI: Do not believe everything you receieve...in almost all cases....nothing has to be provided or proven to take action against you....merely fees are required up front!!!
They pay....and then play you.
Back to Bureau/Creditor....
The creditor responded under mine...TransUnion...then issued a letter: investigation is now complete--I rec'd on 3-24-05 which stated: VERIFIED--NO CHANGE.
***meaning this creditor claimed valid. Funny...as no Foreclosure process ever took place. Not to mention lates were invalid, and he noted us as Mrtg...after a 8-12-03 agreement ended all contracts, and we became...RENTERS...month to month from Aug-Nov. 2003.
TRANSUNION...has a a "SPECIAL HANDLING DEPT", which you only get to speak to after demanding supervisor/managers, etc. ***ALL reps did their absolute best to avoid this...using open investigation, and only accurate info can be reported...blah blah blah
Just not in our case...as the creditor aka SUBSCRIBER as the bureau referred to him as...in fact falsely entered (2) times...and a 3rd time we'd soon find out.
Even then....you get this attitude...you should wait to see how the Investigation goes....and the repetitive statements of: ONLY ACCURATE INFORMATION CAN BE REPORTED. They do have their own fax area...so they can pull...and confirm receipt of fax.
OCT. 2003, MARCH 2004...Creditor twice reported with TransUnion, and Equifax--we're dealing with CSC Credit Svcs...and affiliate of Equifax due to our zip code.
***I rec'd p/c from CSC on (3-24-05) my entries deleted, but have yet to receive new letter, and credit report. I'll only believe it when I see it.
Our dispute(s) to TRANSUNION....were against Triange Group entries...which is what the false entries were reported in under in 2003 & 2004.
Sometime after our dispute process began in March 2005....creditor came back and reported as: KORESSEL GROUP INC.
****Koressel Group was former business name. In fact it had been renamed: TRIANGLE GROUP, INC eff: 4-18-01
We told "SPEC HANDLING" rep this fact, and it didn't seem to matter...said no need to re-fax info...as letterheads, and our documents no longer matched or pertained to dispute. He then stated they aren't obligated to handle...more of a courtesy.
I could try to contact Creditor...or wait type deal. Lovely.
If he verified...must be so type attitude...and I could have a "CONSUMER STATEMENT" attached...approx. 100 words. Big Deal!!!
WHAT A LOAD OF CRAP!!!!!!!!!!!!!!!
I then found Secretary of State website for Kentucky...Printed their documentation proving Koressel infact renamed Triangle.
Info sumbitted via fax...rec'd/reviewed by another rep: Pat again in "SPEC HANDLING" and by a "Senior Rep" per the Pat.
Even after reviewing, and questioning of need for any other faxes to be resubmitted....
STILL IN LIMBO. Only way they will apparently remove is if they get OK from creditor....or he doesn't reply back
I asked if LEGAL area reviewed....NO...but told they'd say the same thing.
I'm not a paid Lawyer....so apparently anything I say or submit must not be valid.
POSITIVE COMMENT ABOUT TRANSUNION: They did mention need to contact any of the following: Atty Generals Office, FTC, BBB, etc.
It wasn't really their ISSUE...more of one of the above
REALITY ABOUT TRANSUNION (and the others from what I've researched....
THEY AREN'T REALLY INTERESTED IN FACTUAL REPORTING APPARENTLY....& DO NOT...take the general consumer seriously regardless of how much proof you are holding or sharing with them.
It shouldn't require a Lawyer, or involvement of any of the organizations they mentioned I could contact. If you have the money...and want IMMEDIATE resolution....seriously consider getting yourself a lawyer.
*** I've filed complaints to the followin: FTC-Federal Trade Commission, BBB-Ky, Secretary of State, "Consumer Complaints Division"--Atty Generals Office, and of coarse all the ...disputes to all bureaus with false information on us.
----ALSO SENDING letter to Creditor w/ carbon copies to all of the above areas we've filed complaints with.....via CERTIFIED MAIL...RETURN RECEIPT REQUESTED,ETC.
***very important...no claiming they didn't receive...like they didn on my faxes...but even when I said I could resend...didn't seem like they desired us to do so.
***IF not removed....intending to take any/all legal action against all parties.