Alameda, CA 94501
Equifax Credit Reporting Services, Inc. All three bureaus did the same thing
P.O. Box 740241
Atlanta, GA 30374
Attn: Complaint Department
To Whom It May Concern:
EQUIFAX HAS BEEN WORKING WITH IT TOOK SIX MONTH NOW JUST IN FIVE DAYS EQUIFAX HAS STEP UP I HOPE THEY HELP ME ALL THE WAY EXPERIAN HAS NOT BEEN NO HELP AT ALL AND TRANSUNION NO HELP I HOPE SOME CAN HELP ME GET BACK THE MONEY I LOST LET ME NO THANKS
Once again, I write to your company in attempt to resolve the inaccuracies in my credit report. Someone needs to review and audit it so it reflects the corrections I have been attempting to resolve with your company since January of this year. Because of the untimely actions of your dispute resolution department, I have wound up paying higher interest amounts on the refinancing of my home, and a higher of payment of$3,892 were it should have been a $1,700 month payment and I think this is something you should be held accountable for. At the least, you could end all of my time ( time is money, as you may well know ) I'm still spending- to get you to do what it is you are required to do by Federal statutes outlined by the FTC. Also, I would like an explanation for all these misprints which have nothing to do with me. Why and where did all this incorrect information come from anyways? Why should I have to go through all this when it is your job to correct my credit report after I have submitted proof of my innocence? I want to speak with whom ever is in charge. I would appreciate a phone call as well as getting my report corrected in writing.
Let me refresh your memory:
As a consumer, I reserve the right to dispute incomplete or inaccurate information in my credit report. If you identify information included within, that is incomplete or inaccurate, and report it, the agency must investigate unless the dispute is frivolous.
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days.
As a subscriber to your internet monitoring service, I was of the belief that not only would my subscription let me monitor all reports generated by your company, but as well, ease the bureaucracy of the dispute resolution process by enabling me to deal directly with your representatives via e-communication. This has not been the case, as I have also had to make numerous telephone calls, and spend money on postage which makes your service not worthy of the cost, excepting the ability to generate reports at will within the allotted time of the service agreement. But, in my case, for what? So I can waste more paper and time getting nothing for what I paid for?
I have been more than patient with your lack of regard for these rules? it is now May of 2006 ( five months later ) and I have still to receive completion of all disputes, as well, new inaccuracies which have surfaced. Although I am of the understanding that consumer reporting agencies may continue to report information it has verified, I don't comprehend why so if I have complied with your request(s) to provide you with proof of things misreported, why they still remain unchanged.
I intend to file a complaint with the FTC about your shoddy service, if it will be effective, who knows? Surely I'm not the first person to receive the proverbial shaft from you. Currently, I also am researching what legal recourse I have to make your agency accountable for your shoddy business practices.
So, I'm going to try this again, to resolve these errors as of my current Equifax report, confirmation # 6647068804 dated May 27, 2006. I have circled the items I dispute on the attached copy.
Starting with the following sections:
Names and Addresses:
My legal name is spelled N-I-C-O-L-A-S (NICOLAS) E. ((REDACTED BY RIP-OFF REPORT))
My home address is Central Avenue, Alameda, CA 94501
Listed as a former address of mine is XXXXXX Centeral Ave, which is incorrect.
I have enclosed a copy of my CA identification, and my current utility bill for proof of person and address. Also, my birth date is not September 1, 1960. My correct date of birth is September 10, 1960.
My current mortgage company is, according to my escrow papers, underwritten by Argent Mortgage Company (AMC mortgage services, Inc) not Ameriquest Mortgage Company, as reported by you.
Negative Account Histories:
HOMEQ SERVICING (WACHOVIA FSU) Account #((REDACTED BY RIP-OFF REPORT)) has a paid in full balance of $0.00, final payment date noted as made in March of 2006. This is absolutely incorrect, as I made the final payment on October 27th, 2005 by certified check, # 7700237298 in the amount of $ 1472.00. This payment was to reflect the last two payments on the account, which were $984.00 and $ 72.00, respectively. If you add the aforementioned two sums together, it actually equals $1056.00. So, in all actuality, HOMEQ was overpaid $ 416.00. I have since to recover the overpaid amount, as the origin of the mistake is yet undetermined by myself. Enclosed you will find a photocopy of the check reflecting the correct date of payment, as well as a letter from Trans Union(Who also had the wrong date reported) reflecting the result of their inquiry, which stands corrected with them?
CREDIT SOLUTIONS CORPORATION (2 Accounts) these are listed as ?open? by you, but they were paid in full by myself in April 2006. Enclosed you will find receipt of 4/24/2006, ref id # 432070 for $100.00. Shouldn't the status also be marked as ?closed? as well as ?paid?? I have no other outstanding debts to them and would like it closed.
OCWEN FEDERAL BANK Account #s 3174xxxx and 3632xxxx this is a mortgage account that was originally opened with Option One. As your records show, this account was transferred to Ocwen Federal Bank, and assigned a new account # starting with 3174. On or about May of 2003 I took an opportunity to re-fi with Ocwen. This changed the account number, at this point, the re-fied account # starting with 3632.
Your error here lies here with reporting that in May of 2003 the account number starting with 3174 is marked with a 30 day delinquent payment, where as this is not the case, it simply is the month the account was switched to the 3632 # under different terms. Enclosed you will find three letters from the research department @ Ocwen apologizing for their mistake and verifying that I had an absolute satisfactory payment history with Ocwen. Also have a letter from TransUnion on 3/01/2006 Investigation result account #xXXXXX deleted. and one more with equ stated within these correspondences is Ocwens' intent to report this to all three major credit bureaus themselves, in order to correct this inaccuracy. I believe that I as well, per your request, furnished these letters to your bureau as part of dispute resolution regarding this particular account. That means that your company has been informed not only by me (2 xs) but also by the origin of the information to begin with. I reiterate, why hasn't this been addressed, and or fixed????
As you are aware, delinquent payment status is a deciding factor of a derogatory FICO score, which I continue, despite my best efforts, to raise. Also in my FICO Report Date Mar 1, 2006 Report ID :R0E(((REDACTED BY RIP-OFF REPORT))) Had me down for a 30 day late in year of Oct 2000 I never had Ocwen at the time and that cost me who knows how long and how much time. :
I expect to be hearing back from a representive of your company within 7 business days of receipt of this letter, which will be sent certified mail. I see this as my final attempt at resolution with your company before I take my complaints further.
One more thing about the inquires how can they be valid if there is so many errors. Transunion has cleared already 40 inquiries. Equifax has also cleared me on 50 inquiries. So with that, WHY would they of cleared these inquiries if they were NOT accurate?
Below you will see that there are two credit reports from early March marked with all the errors, (highlighted in yellow) that will clearly show ALL the inaccurate information your company has provided as False information. Also, listed below are six more credit reports that I have received today; June 5, 2006 ( also, highlighted in yellow).
((Attachments coming soon))