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07-31-2008, 03:06 PM
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#1 (permalink)
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New Member
Join Date: Jul 2008
Posts: 7
Casino Cash: $105600
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QVC Fraudulant Account - Still Not Removed?
I disputed many things on my husband's credit report last September and one of them was a QVC account totalling $590 for stupid stuff like cookbooks and rice cookers (seriously - people cannot cook rice??)
Anyway, they were not able to provide any proof that this account was my husbands and said they would have it removed. Yet hubby tried to get a loan the other day and they said it was STILL on there. The account is also nearly 10yrs old.
What can I do? Is there a way to sue since it has held us back from getting other loans even though it was disputed and found fraudulant but is STILL being reported?
Thanks!
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07-31-2008, 03:23 PM
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#2 (permalink)
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HONORED GUEST
Join Date: Jun 2006
Location: West-By-God-Virginia
Posts: 6,490
Casino Cash: $1815375
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Re: QVC Fraudulant Account - Still Not Removed?
Quote:
Originally Posted by finally_home
I disputed many things on my husband's credit report last September and one of them was a QVC account totalling $590 for stupid stuff like cookbooks and rice cookers (seriously - people cannot cook rice??)
Anyway, they were not able to provide any proof that this account was my husbands and said they would have it removed. Yet hubby tried to get a loan the other day and they said it was STILL on there. The account is also nearly 10yrs old.
What can I do? Is there a way to sue since it has held us back from getting other loans even though it was disputed and found fraudulant but is STILL being reported?
Thanks!
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Yes you can sue and receive statutory damages as well as actual damages.
__________________
Please be advised that I am not an attorney and nothing I post on this forum should be construed as legal advice.
Let's Go Mountaineers!!
Let's Go Drink Some Beers!!
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07-31-2008, 03:25 PM
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#3 (permalink)
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New Member
Join Date: Jul 2008
Posts: 7
Casino Cash: $105600
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Re: QVC Fraudulant Account - Still Not Removed?
How would we go about doing this? Would it be defamation since we were not able to obtain a needed loan due to this still being reported not only after the 7yrs but also due to it being fraudulant?
What is our next step?
Thanks so much for your help! I appreciate it!
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07-31-2008, 03:51 PM
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#4 (permalink)
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HONORED GUEST
Join Date: Jun 2006
Location: West-By-God-Virginia
Posts: 6,490
Casino Cash: $1815375
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Re: QVC Fraudulant Account - Still Not Removed?
Quote:
Originally Posted by finally_home
How would we go about doing this? Would it be defamation since we were not able to obtain a needed loan due to this still being reported not only after the 7yrs but also due to it being fraudulant?
What is our next step?
Thanks so much for your help! I appreciate it!
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What state are you in?
__________________
Please be advised that I am not an attorney and nothing I post on this forum should be construed as legal advice.
Let's Go Mountaineers!!
Let's Go Drink Some Beers!!
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07-31-2008, 03:54 PM
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#5 (permalink)
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New Member
Join Date: Jul 2008
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Re: QVC Fraudulant Account - Still Not Removed?
Texas
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07-31-2008, 09:21 PM
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#6 (permalink)
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Administrator
Join Date: May 2006
Posts: 2,189
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Re: QVC Fraudulant Account - Still Not Removed?
Dispute it with the CRA's as obsolete.
__________________
It is better to keep your mouth shut and appear stupid than to open it and remove all doubt. - Mark Twain
The information and materials in this document are provided for general information purposes only and are not intended to constitute legal, accounting or tax advice or opinions on any specific matters. Laws and regulations change frequently and their application can vary widely based upon the specific facts and circumstances involved. You are responsible for the applicability and accuracy of Information as it relates to your specific situation.
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08-01-2008, 07:13 AM
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#7 (permalink)
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If You Do Not Like It, Kiss My...
Join Date: Nov 2004
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Re: QVC Fraudulant Account - Still Not Removed?
Quote:
Originally Posted by finally_home
Texas
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IS QVC reporting, or is it a debt collector reporting?
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How come "phonetically" is spelt with a "ph"?
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08-01-2008, 09:47 AM
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#8 (permalink)
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HONORED GUEST
Join Date: Jul 2006
Location: Austin-area
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Re: QVC Fraudulant Account - Still Not Removed?
Did the delinquency occur a decade ago or has the account just been open that length of time? Yes, it matters.
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I am not *your* attorney and you are not *my* client. Nothing in this post shall be construed as establishing an attorney-client relationship.
Would you rather us tell you what WILL happen or would you rather have rah-rah bull-droppings from someplace else?
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08-01-2008, 12:24 PM
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#9 (permalink)
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Elite Member
Join Date: Sep 2006
Posts: 1,025
Casino Cash: $517400
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Re: QVC Fraudulant Account - Still Not Removed?
Quote:
Originally Posted by finally_home
I disputed many things on my husband's credit report last September and one of them was a QVC account totalling $590 for stupid stuff like cookbooks and rice cookers (seriously - people cannot cook rice??)
Anyway, they were not able to provide any proof that this account was my husbands and said they would have it removed. Yet hubby tried to get a loan the other day and they said it was STILL on there. The account is also nearly 10yrs old.
What can I do? Is there a way to sue since it has held us back from getting other loans even though it was disputed and found fraudulant but is STILL being reported?
Thanks!
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If the account truly is not yours, I would file a Police report for identity theft.
Once you have that, you can send it to the CRAs and they are required to block reporting of this debt. |
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08-01-2008, 11:59 PM
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#10 (permalink)
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New Member
Join Date: Jul 2008
Posts: 7
Casino Cash: $105600
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Re: QVC Fraudulant Account - Still Not Removed?
Quote:
Originally Posted by Enigma
Dispute it with the CRA's as obsolete.
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Im sorry if I sound stupid - but what do you mean "Obsolete?" |
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08-02-2008, 12:02 AM
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#11 (permalink)
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New Member
Join Date: Jul 2008
Posts: 7
Casino Cash: $105600
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Re: QVC Fraudulant Account - Still Not Removed?
JLynn - Its GEMB/QVC is how it appears on the credit report. Does that help?
Centex - It was opened in 1999 and charged off in 2001
Spinn - if I file a police report will they actually do anything to figure out WHO on earth did this? Or do they just file it away? I really would like to see justice done!
Thanks to all of you guys for helping us out with this! Its so frustrating!
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08-02-2008, 12:26 AM
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#12 (permalink)
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Administrator
Join Date: May 2006
Posts: 2,189
Casino Cash: $894150
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Re: QVC Fraudulant Account - Still Not Removed?
It really does not matter if law enforcement acts on it or not. To comply with the Identity Theft laws and provisions of the FDCPA/FCRA, you need a police report file number.
Once you have that number you can invoke those provisions in FACTA that will require the tradeline to be removed from your husbands credit file.
__________________
It is better to keep your mouth shut and appear stupid than to open it and remove all doubt. - Mark Twain
The information and materials in this document are provided for general information purposes only and are not intended to constitute legal, accounting or tax advice or opinions on any specific matters. Laws and regulations change frequently and their application can vary widely based upon the specific facts and circumstances involved. You are responsible for the applicability and accuracy of Information as it relates to your specific situation.
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