Steve
Berry Creek,#2Consumer Suggestion
Mon, March 21, 2005
Sprint sold my one day account to Cavalry. Cavalry in turn reported me to Equfax. I just happened to subscribe to their credit watch and they in turn notified me of the collection report. I contacted them the following day by phone. I advised them that Sprint had made an error and attempted to give them the name of the supervisor at Sprint who could resolve the problem. They were not interested. So it appeared it was a declared war. I called my lawyer and it seems they were in violation for Title VIII of the Fair Collections Act as they never made a demand of me prior to reporting me to the credit bureau. That is an automatic $1000 fine. I sued in small claims court (Butte County, CA. Case DSC06589) and actually was able to serve them. In the mean time they contacted all the credit bureaus and removed the report. April 8 we are off to small claims court!
Sherri
Piedmont,#3Consumer Suggestion
Thu, March 10, 2005
I went through the same fight with these people. They kept insisting that I MUST fill out their paperwork and submit a police report if I was claiming "identity theft". Uh, no, it is not MY job to prove that the account is not mine..it was Calvary's job to prove that it is...which was not possible, as I have never had a Sprint PCS account in my life. Unfortunately, the credit bureaus are absolutely worthless in helping you get erroneous information cleared. You can dispute, they "verify" the information, although I have no clue how they can "verify" something that does not exist. Credit reporting regulations need to be revamped to keep things like this from happening to consumers. When these "debt buyers" sell the same information over and over, a person may have multiple entries for the same alleged debt pop up on their credit report, significantly lowering their FICO. It is really unfortunate, but I had to end up having my attorney write a very strong-handed letter to PROVE the account was mine or face legal consequences. It worked. I have almost been waiting for this "debt" to get sold again, since Calvary finally was made to realize that I wasn't going to pay something that doesn't exist, just because they said I owed it.