- Report: #108223
Complaint Review: LHR - Hamburg New York
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Author Not Confirmed
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LHR
56 Main Street Hamburg, 14075 New York, U.S.A.
Phone:
888-845-5995
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LHR Ripoff abusive illegal credit reporting and collecting Hamburg New York
LHR alledges that I owe a debt for a health spa, which I paid in full many years ago.
They fabricated a contract date, which was several years later than my original contract. I originally joined the health spa in 1991, and LHR is reporting it to be 1994.
LHR never contacted me regarding this supposed debt. Instead, they reported it to credit reporting agencies. I found out about it after having my credit report pulled.
When I called LHR to get to the bottom of this, the first person I talked to yelled at me and hung up on me. I called back, and that person yelled at me, and when I finally spoke to a supervisor, he yelled at me and cursed at me.
To top it all off, LHR said they could clear everything up in 24-48 hours if I paid them 30% of the original supposed debt. However, if I wanted to dispute the debt, it would take them 6 weeks to 8 months to provide me with proof I owed the debt!!
Tammy
Senoia, Georgia
U.S.A.
They fabricated a contract date, which was several years later than my original contract. I originally joined the health spa in 1991, and LHR is reporting it to be 1994.
LHR never contacted me regarding this supposed debt. Instead, they reported it to credit reporting agencies. I found out about it after having my credit report pulled.
When I called LHR to get to the bottom of this, the first person I talked to yelled at me and hung up on me. I called back, and that person yelled at me, and when I finally spoke to a supervisor, he yelled at me and cursed at me.
To top it all off, LHR said they could clear everything up in 24-48 hours if I paid them 30% of the original supposed debt. However, if I wanted to dispute the debt, it would take them 6 weeks to 8 months to provide me with proof I owed the debt!!
Tammy
Senoia, Georgia
U.S.A.
1 Updates & Rebuttals
Ben
Boerne,Texas,
U.S.A.
LHR can be sued...
#2Consumer Suggestion
Tue, September 14, 2004
Based on the information you have provided, I am coming to the conclusion that this company has commited one crime already; and will violate federal law again. First, they forged a document with your signature on it. Dispute that contract. Do you have your original contract still? I hope you do, because it will be 10 times harder to prove that they forged your contract in 1994. Now, go ahead and dispute the item with whatever credit bureau they reported to. The FCRA (Fair Credit Reporting Act) requires the company to verify the item within 30 days (possibly 45 days in some cases). If they fail to verify it, then legally the item has to come off your credit report. So they are likely trying to buy some time. If the credit bureau(s) don't take it off your report, then you can file a lawsuit in small claims court for leaving malicious and inaccurate information on your credit report. Then, the credit bureau faces a 1,000 dollar fine. Most likely they will immediately delete the neg info upon notice of you taking them to court. Then you may also sue LHR for false misrepresentation of a contract and forgery if you believe you can prove beyond a reasonable doubt that the contract was forged. [DELETED]if you want any help with your credit, [Place your comments below and be sure to include your FULL contact information so Rip-off Report can contact you.] I can also refer you to some free (non-profit) credit information sites that explain everything about your rights, laws, legal tactics you can use, and even dispute letters as well as letters threatening legal action. I hate companies like this. I hope you win over LHR, they really are a rip-off.
