Assist! I’m Caught within the Disputing Course of! What’s Subsequent?
So you have a legitimate flaw in a credit report and have gone through the dispute process with no luck.
You are stuck.
The bureaus either checked or simply ignored you.
You went through all of the necessary steps to apply pressure and tried your best to remove it.
They asked about their verification method and repeatedly warned them …
But nothing has changed.
You went straight to the original creditor who reported it and went over and denied the filings, and yet … it’s still there!
If it’s a collections, you’ve asked for validation and the collection agency will ignore you or send you a useless invoice that doesn’t prove the debt is actually correct.
This can be stressful and leave you feeling really frustrated!
So what are you doing?…
Whenever this has happened to me, I’ve taken it to the next level and started firing off complaints. And here is the reason:
- I want to keep fighting for my client. Giving up is not an option.
- The screeching wheel is oiled. Make a fuss and you will likely get noticed.
- The last thing creditors and debt collection agencies want is complaints against them.
The good news is that complaints are very easy to send out and can be very productive.
My 5-step proven process
- I always started with the CFPB because they are the big dogs that enforce federal laws and protect consumers at the federal level.
Also, the offices, creditors and debt collection agencies know that if they get too much attention from the CFPB, it can lead to an investigation that can put them out of business.
- Next, in each state, you have the attorney general’s office who enforces state laws and also has a heavy focus on financial complaints, including credit reports and collections.
There are prosecutors for every state who will take your complaints seriously, and they also have the power to impose heavy fines or even put companies out of business.
Because of this, filing complaints with them can be extremely helpful.
- Next, you can file a complaint with the Better Business Bureau. The BBB does not enforce any laws, but the state and federal agencies just mentioned use it as an indicator to determine if patterns of complaints are occurring.
So I recommend that you file a complaint if you or your customers are treated unfairly.
- Finally, you can always post negative reviews on major review sites like Google, Yelp, Trustpilot, and the like.
Tell your story and spread the word!
- After submitting your complaints or writing your reviews, be sure to take screenshots of them and send them to the offices, creditors, and / or collection agencies to alert them that you are not giving up.
You may be pleasantly surprised at how much attention is paid to you and how suddenly the bugs miraculously disappear!