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The History
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Whyspers v. L J Ross Assoc.
Over the course of the past several months, I have been beating my head against a brick wall in trying to correct incomplete and incorrect data being reported by Experian, Equifax and Trans Union consumer reporting agencies. I was not out to "repair" my credit, but rather to correct errors that were being reported. I was shocked the first time I pulled my consumer report and discovered that accounts I had paid on time were being reported as "Paid after charge off", accounts belonging to other people were listed, and the same accounts were being reported more than once by the same companies. It was a tangled mess and made very clear why I was being asked to pay exorbitant interest rates every time I applied for credit...WHEN I could even get approved.
One of these entries is being listed under the tradeline, L J Ross and Associates. Around December 28, 2001, I disputed this entry on my consumer report with Experian. I also sent a letter to L J Ross and Associates to let them know I did not recognize this account and to my knowledge, had never had an account with the original creditor. They did not respond to my request for information, but rather told Experian the information was correct and to make no changes.
I again sent a letter to L J Ross and Associates in February, 2002 and was again ignored. Ditto for my letter in March, 2002. At that point I filed a complaint with the Eastern Michigan Better Business Bureau. (Unfortunately they were not able to help me, but referred me on to the Michigan Attorney General).
I began drafting a Complaint to be filed in Federal Court and made one last attempt to communicate with L J Ross and Associates. Again...ignored. (One would think in their type of business they would realize that ignoring something won't make it go away :::sigh:::).
On March 15, 2002, I filed my Summons and Complaint in U.S. District Court for the Western District of New York and so the journey begins. | |
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