Marvin
Raleigh,#2Author of original report
Tue, April 01, 2008
Just wanted to check in and update what happened in this sordid mess: Took Unifund and their shady lawyers at Sessoms and Rogers to court in the town 130 miles away from where we live now. Judge immediately overturned the default judgment. We asked for compensation for attorney's fees in defending against this erroneous civil action but were denied by the judge, who ruled that Unifraud/S&R acted in good faith in filing by certified mail to an address that did in fact appear on the credit report (EVEN THOUGH IT IS NOT OUR ACCOUNT AND NOT MY WIFE'S SSN IN THEIR RECORDS!!!) and that they should not be held responsible for the Post Office's actions. So... we are out $1235 for our lawyer's fees. Fast forward to last month when we made a routine check of our credit report to find that, lo and behold, the judgment is showing on my wife's credit report. We filed a dispute with Experian and the report was quickly changed. Then today I get an alert from her TransUnion account and Unifraud has created a new collection account on her report as of 3/28/08 - clearly in retaliation for the contesting of the judgment correction, I am sure. Unifraud has filed on my wife twice and it has been dismissed twice as not her account, and yet they still report it as collections on her credit. Anybody know how to go about filing an FRCA claim?
Larry
West Sacramento,#3Consumer Comment
Sat, May 12, 2007
Marvin, I responded to you on another thread about Unifund, so I won't go into it all again here. In the other thread I failed to pick up on one point in your story and that was that the postman rerouted the certified letter to your mother-in-law. This is just one more problem with service of process by certified mail. The postman did not know that he had been drafted into being a process server. He had no idea of the contents of the letter nor the ramifications of delivering it to the wrong party. The certified letter was sent to an address where neither you nor your mother-in-law resided. Had the postman returned the letter to the sender as he should have, none of this would have happened. As you said, it's a small town and the guy was just trying to be helpful. The plaintiff (Unifund in this case) is usually required to defend his method of service of process and your attorney should be able to kick their butts. Good luck and let us know how it turns out.