Marie
Pahrump,#2Consumer Comment
Fri, March 17, 2006
Unfortunatly you need to dispute in writting to the company (RJM), send it certified, return receipt. So you can prove they are aware you disputed it. These companies not only work together, but a lot are actually part of the same cmpany. Once you deal with one and have the item removed through your credit reports, they either sell it to another junk debt buyer, or simply put it back on your report. Yea they know it's illegal, to sell a disputed item. But it doesn't stop them from getting the original amount (pennies on the dollar), they paid for this bogus debt. From another junk debt buyer, or just passing it around their multiple affiliates, hoping you will just pay it to get it removed. I have now for the second time had an item (turned into multiple items, and re-dated), removed from my credit reports. Only to be informed they can re-submit the negative info tomorrow with no proof. These companies are worse than identity thieves, they at least go away when they are caught. These guys just, pass their victoms around between each other. Document and keep your info, as it can and probably will show back up, soory but I didn't keep all the info from a year ago, I figured it was over.
Vicki
Hoover,#3Author of original report
Wed, June 15, 2005
Just an update to let you know that I spoke personally with the Bank that RJM says they received my debt from. The bank said that the amount RJM is trying to collect is not outstanding and was paid years ago. They are sending a letter to RJM. I am just dying to see how RJM responds to the credit bureau. I am still going to sue them because the damage has been done to my credit. Anybody want to join in the suit, let me know.