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MIS (CreditData SW) - AZ Experian affiliate

Thursday, June 03, 2004

The MIS (CreditData SW) strategy and why does Arizona encourage lies to the court?

I learned at the MIS hearing on their motion for summary judgment that I'm definitely at a huge disadvantage.

THEY get to submit their motion, I get to respond, they get to respond with ANOTHER filing AND attach NEW exhibits. And that's it!

I submitted a response, and they filed a motion to strike.

Then we had the hearing and their attorney John Fry again focused on all the things they did right. He actually had made up fictitious claims that were never in my complaint, defending those properly performed investigations and he moved to dismiss those fictitious claims.

Here's why:

Obviously, I had to agree with their statements about these properly performed investigations.

Mr. Fry, the genius that he is, concluded that ALL my claims must be dismissed because I agreed with most of their statements.

Since he's an experienced attorney, I wonder whether that actually ever worked. Even if a judge fell for that crap, wouldn't people appeal?

At the hearing, again Mr. Fry got to speak first. I got to speak. He got to speak again, and of course most of what he said was lies anyway.

I realize now why "lawyer" sound like "liar."

I was NOT allowed to respond.

So that's justice?

Is that just Arizona or everywhere? And why?

And I must say that ALL motions as well as anything said at hearings should be under oath.

I remember that in California even in small claims everybody was sworn in.

Why on earth is Arizona ENCOURAGING lies to the court?

Wednesday, April 28, 2004

My 4/14/04 response to the MIS (CD SW) Motion for Summary Judgment

It's UNBELIEVABLE how bad MIS (CreditData SW) screwed up.

I just posted the filings (Word files.)

The most interesting filing is my response to their 69 paragraph so-called Statement of Facts. What MORONS!

I still have to scan/post all their exhibits as well as mine - when I get to it.

Thursday, April 08, 2004

OTTIANO v. CREDIT DATA SOUTHWEST, INC

From Lexis ONE

"Michael J. Ottiano appeals pro se the district court's summary judgment for defendant in his action under the Fair Credit Reporting Act ("FCRA"), 15 U.S.C. § 1681 ...."

"For CREDIT DATA SOUTHWEST, INC., Defendant-Appellee: Christopher A. Coury, John M. Fry, Esq., RYLEY, CARLOCK & APPLEWHITE, Phoenix, AZ."

...

"("The reasonableness of the procedures and whether the agency [*3] followed them will be jury questions in the overwhelming majority of cases.")."


"VACATED AND REMANDED."

MIS (CreditData SW) is a “non profit” collection agency

Well, of course all CRAs are in one way or another collections agencies, although it's not quite as obvious as with CreditData SW.

http://www.merchantsinfo.com/

It does explain why they were DETERMINED not to investigate my American Agencies disputes.

The good news is that it looks like they'd have resources (punitive damages) - but how they can operate a collection agency as a NON PROFIT corporation is beyond me.

Oh, at http://www.merchantsinfo.com/pic/ it lists Premier Information Center. BINGO!!!

That's great. It appears that they sell the crappy worthless reports to consumers and the REAL reports to business. I am SO looking forward to discover!

http://www.merchantsinfo.com/fms/
Continue reading ...

CreditData SW - Premier Credit

I called the 602-528-7785 on my credit report, it was answered by a recording from Premier Credit. Got transferred to a person and she said that CDSW closed shop last September and they always sold reports for them.

So I wonder how much Premier Credit paid for getting the CDSW phone #.

She told me they had a web site, after some searching I found https://www.cdsw.com/ - and a sample for their tri-merged at http://www.cdsw.com/CDSWSampleReport.pdf

Contrary to the crappy CIC reports, it actually contains some data, and I decided to pay the $32. But I couldn't find an order link. So I called the 800#, but that's only a recording of the Premier Credit locations - mostly scummy credit counseling outfits. So I might another long distance call, to find out that I had to type http://www.premiercredit report.com exactly into the URL, because searches won't find it. As I noticed.

That URL forwarded me to https://www.cdsw.com/dtc1/ConsumerMainPage.asp?SubscriberNumber=999&userID=consumer&password=consumer&prod=0

There I order the trimerged. I couldn't believe it's almost identical to the CIC report. NOT at all the sample posted at https://www.cdsw.com/.

$32 wasted.