HRS-USA Persistent false item on credit report, someone else's Chapter 13 Bankruptcy Wilmington Delaware 19850

First, let me say that I am truly sorry for the predicament you find yourself in. Now, let's get to the good stuff! You have a blatently open and shut case here and you may even be able to make a little money off of it; if these agencies continue to drag their heels. Consumers are just SO under informed when it comes to their credit and their options. First and foremost, send a letter of dispute to Experian. Send it certified, return receipt mail so you have proof it was received by their office. In this letter, you should state that this has been an on-going problem and it needs to be settled immediately. Request an updated copy of your credit report also, to verify they have removed this item. They should have sent you one the last time, which would have reflected "no change" in the staus section. They have 30 days to take care of this.



The second letter you need to mail (in the same manner as the first)will goto the creditor listed on your credit report. In doing this, you are covering all of your bases. They should not be reporting it, and the reporting agency shouldn't be listing it! So now, you wait the 30 days for both parties and see what happens. If this matter still hasn't been cleared up in the 30 days, mail a follow up letter to both organizations and let them know that they have 30 days to resolve this to your satisfaction or they will see you in court. Also let them know you will be filing complaints with the Federal Trade Commission and your local State Banking Department. Don't back down!



If, after the total of 60 days, the item is STILL being reported, file in small claims court against both parties. Also file the complaints with the FTC and Banking Department. Sue trhem to the tune of $1,000.00 for each agency for a grand total of $2,000.00 in your pocket and THEN the court will force the item off your credit report.

CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.



GOOD LUCK!!! GO GET THEM!!!!!

Approximatly 3 years ago i had a similar experience with HRS. They reported to Eqifax that a credit card i had with them, and that was paid in full was a charge off.It was by accident that I found this, and when i investigated I also found 1 number on the account was different than mine. HRS gave me such a run around, saying they couldn't do anything for me because that account number didn't exist. Equifax investigated it and then determined it was my debt!!! It took me months and hours on the phone and after it was fixed, i never even got an apology. I find it very strange that companies can make mistakes like these and not have to answer for them.

Approximatly 3 years ago i had a similar experience with HRS. They reported to Eqifax that a credit card i had with them, and that was paid in full was a charge off.It was by accident that I found this, and when i investigated I also found 1 number on the account was different than mine. HRS gave me such a run around, saying they couldn't do anything for me because that account number didn't exist. Equifax investigated it and then determined it was my debt!!! It took me months and hours on the phone and after it was fixed, i never even got an apology. I find it very strange that companies can make mistakes like these and not have to answer for them.

Approximatly 3 years ago i had a similar experience with HRS. They reported to Eqifax that a credit card i had with them, and that was paid in full was a charge off.It was by accident that I found this, and when i investigated I also found 1 number on the account was different than mine. HRS gave me such a run around, saying they couldn't do anything for me because that account number didn't exist. Equifax investigated it and then determined it was my debt!!! It took me months and hours on the phone and after it was fixed, i never even got an apology. I find it very strange that companies can make mistakes like these and not have to answer for them.

I agree, these people control our lives. I wonder if enough people could pettion a ballot initiative to outlaw the use of credit reports in their states, what kind of impact this would have on them and the banking industry? I am a victim of credit reporting (VCR) also. Suggest talking with other people and start a mass letter writting campaign to congress and the credit repoting people to demand that they change the way they report and if not, start a pettition to get a ballot initiative and vote the bastards out of business by enacting a statute that eliminates credit reporting.

Believe me, Banks would much rather lend $$ to folks with less than perfect credit than those who have high CBR scores. That should be obvious to everyone. Lower scores mean more $$ in the banks coffers.



What banks are really looking at these days is INCOME and CURRENT OBLIGATIONS. They want to know where they stand in the food-chain.



If they determine that you have adequate income and assets to cover their risk, then they will WELCOME even a Chapter 7 on your report.

I know this from personal experience!

Who provides the funding for the credit bureaus?

You guessed it! THE BANKS !



Can you see a conflict of interest there? I SURE CAN!!!

Believe me, Banks would much rather lend $$ to folks with less than perfect credit than those who have high CBR scores. That should be obvious to everyone. Lower scores mean more $$ in the banks coffers.



What banks are really looking at these days is INCOME and CURRENT OBLIGATIONS. They want to know where they stand in the food-chain.



If they determine that you have adequate income and assets to cover their risk, then they will WELCOME even a Chapter 7 on your report.

I know this from personal experience!

Who provides the funding for the credit bureaus?

You guessed it! THE BANKS !



Can you see a conflict of interest there? I SURE CAN!!!

Believe me, Banks would much rather lend $$ to folks with less than perfect credit than those who have high CBR scores. That should be obvious to everyone. Lower scores mean more $$ in the banks coffers.



What banks are really looking at these days is INCOME and CURRENT OBLIGATIONS. They want to know where they stand in the food-chain.



If they determine that you have adequate income and assets to cover their risk, then they will WELCOME even a Chapter 7 on your report.

I know this from personal experience!

Who provides the funding for the credit bureaus?

You guessed it! THE BANKS !



Can you see a conflict of interest there? I SURE CAN!!!

Believe me, Banks would much rather lend $$ to folks with less than perfect credit than those who have high CBR scores. That should be obvious to everyone. Lower scores mean more $$ in the banks coffers.



What banks are really looking at these days is INCOME and CURRENT OBLIGATIONS. They want to know where they stand in the food-chain.



If they determine that you have adequate income and assets to cover their risk, then they will WELCOME even a Chapter 7 on your report.

I know this from personal experience!

Who provides the funding for the credit bureaus?

You guessed it! THE BANKS !



Can you see a conflict of interest there? I SURE CAN!!!

Credit bureaus can do anything they want to you,

you have no rights, no hearings nothing, trying to remove false information from a credit report is a waste of time, a bad credit report can keep you from getting a job home car ect, murders and rapist have more rights then consumers and law abiding citizens, these are powerfull companies that violate our constituional rights everyday

they control congress with payoffs, equifax and trans union make the laws and we have to obey them.

Credit bureaus can do anything they want to you,

you have no rights, no hearings nothing, trying to remove false information from a credit report is a waste of time, a bad credit report can keep you from getting a job home car ect, murders and rapist have more rights then consumers and law abiding citizens, these are powerfull companies that violate our constituional rights everyday

they control congress with payoffs, equifax and trans union make the laws and we have to obey them.

Credit bureaus can do anything they want to you,

you have no rights, no hearings nothing, trying to remove false information from a credit report is a waste of time, a bad credit report can keep you from getting a job home car ect, murders and rapist have more rights then consumers and law abiding citizens, these are powerfull companies that violate our constituional rights everyday

they control congress with payoffs, equifax and trans union make the laws and we have to obey them.

Credit bureaus can do anything they want to you,

you have no rights, no hearings nothing, trying to remove false information from a credit report is a waste of time, a bad credit report can keep you from getting a job home car ect, murders and rapist have more rights then consumers and law abiding citizens, these are powerfull companies that violate our constituional rights everyday

they control congress with payoffs, equifax and trans union make the laws and we have to obey them.

Steve,



Write to Experian, you must identify yourself by providing your SSN, address, and telephone number.



Request the HRS account information be removed from your credit report. Provide the account number as reported on the report, include the explanation that the account was improperly reported as yours by the reporting agency. If HRS provided information in writing that the account was not yours, send a copy of their letter with your request. Experian should respond with an updated credit report (removed entry) or with the justification criteria for allowing the information to remain.



You should also check the information being reported to/by TransUnion and Equifax, requesting all corrections to be made in the same manner.



Telephone conversations do not provide "proof" if your request to have the information removed is declined. Write to all parties involved, keeping drafts of your letters and the responses received.



A good source of information is available at:

http://damagecontrols.org



Report infractions of the Fair Credit Reporting Act to http://www.ftc.gov



The reports to the FTC are unavailable to the public, unlike reports to this site. To help consumers become aware of the problem complain to the public sites. To help yourself and consumers in the future, report to the FTC.