• 2010 Credit Suit
• Liars & Cheats
• CreditFactors
• Fight Back!!!
• RESISTANCE
• TRADO
• News Releases
• Contact

NCO - illegally selling credit reports

Friday, August 08, 2008

8/4/08: PROOF that Trans Union’s greed contributed to credit crisis

Of course I’m talking about my response to the TU motion to dismiss.

I included many exhibits, including the TU and NCO discovery responses.

They didn’t even try to claim that they investigated my notice of Dana Capital’s account breach or deliberate sale of consumer credit reports to unlicensed brokers engaging in illegal marketing and false mortgage advertising.

Fair Isaac, the CRAs and resellers like NCO are substantial contributors to the current credit crisis. 

They made the biggest financial crisis in history possible.  And it’s not only the willful sale of credit reports to known criminals, but the CRAs maliciously refused to provide complete and accurate credit reports and many people were forced into subprime loans because of the resulting low FICO scores.

If I was a bank with subprime losses, I’d be suing the credit bureaus and Fair Isaac.

Many home owners would NOT be in foreclosure if they had qualified for the low fixed rates because their credit reports were complete and accurate.

MY EXHIBITS

1) 6/22/08 Trans Union Responses to Baker’s Requests for Admissions

2) 6/22/08 Trans Union Responses to Baker’s Interrogatories

3) 6/22/08 Trans Union Responses to Baker’s Requests for Production of Documents

4) Trans Union communications TU 0005 – TU 0008

5) 5/21/04 Trans Union letter re. files A and B to attorney Lewis TU 0038 – TU 0039

6) 2/12/05 Baker’s request for termination NCO and Dana Capital TU 0070 – TU 0090

7) 8/22/05 Baker’s Trans Union dispute of unrated accounts (PrivacyGuard) TU 0144

8) 8/25/05 Trans Union report p. 5, NCO and First USA (Chase) inquiries TU 0153

9) 9/10/05 Trans Union deletion of positive Capital One account TU 0164 - TU 0165

10) 5/1/05 Baker’s request to remove fraud alert TU 0192 – TU 0195

11) 5/20/08 Trans Union credit report TU 0197 – TU 0205

12) 2/8/08 Trans Union Investigation Results deleting NCO inquiry

13) 5/27/08 NCO responses to Baker’s discovery requests

14) 8/2/08 TrueCredit website terms

15) Baker’s blog posts about Trans Union’s repeated failure to report a client’s discharged
Capital One account with the Date Closed.

16) myFICO order screen with Trans Union “locked.”

17) FTC Comments on FCRA

18) Trinity junk fax and Mutual Benefit loan approval at 1%

19) Trans Union 3/10/08 reporting of the client’s Capital One account without the date
closed.

20) Trans Union 3/15/06 letter acknowledging receipt of Baker’s dispute on behalf of
client.

-----------------------------------------------

Everything is posted at CreditCourt.

Wish I had time to put it all on the new TU site with idiot-proof explanations.  Until I got their discovery responses, my claims were only allegations. 

Now I have the proof. 

And that’s what I needed for the book. 

What the judge decides is rather irrelevant.  I pointed out that their admissions are deemed admitted as they responded late.  Instead of providing a declaration with sworn statements, I decided to certify my entire 15-page response. 

Still, I know what to expect and it no longer matters.  I’ll be surprised if TU isn’t dismissed.

“The truth is out there ...”

I haven’t said that in a long time.

Monday, July 21, 2008

NCO discovery responses and docs, my replies and 2nd discovery requests

I just posted the 5/27/08 NCO responses to my discovery requests, my responses to their requests and my 2nd requests to NCO at CreditCourt.

I tried to file my discovery notice on the ECF system, but apparently my ability to electronically file has been revoked.  Have to call the court tomorrow to see what happened, I logged in several times and got the same error message every time.

NCO provided organizational charts, the Anthony Paduano application to obtain credit reports as branch manager for Dana Capital, the NCO subscriber agreement and a loan application with my name on it that is NOT signed by me.

According to the application, I was interviewed by Anthony Paduano, but in fact I have never talked to him. That’s of course because that scumbag Vincent Sanfillippo who took my application wasn’t licensed, so they couldn’t put his name on the application as interviewer [federal law, which one?] Paduano is the guy who allegedly beat up a process server and I couldn’t serve him, so he was dismissed.  Supposedly he is STILL originating loans.  Nobody gives a shit.

Sanfillippo sent out many millions of junk faxes advertising mortgages under false names with false terms.  I’ll try to put up the comprehensive summary at the new blog along with his loan APPROVAL, based on nothing but the data provided in the application NCO just provided:  No employment info, no assets, nothing but debt.

I’ll have to try to forget about the NCO discovery before I start studying VODOO so that I can inflict pain on the bastard lawyers until they’ll never lie and deceive again. 

Apparently nobody from NCO even looked at my discovery requests, the responses were signed by two scumbag lying lawyers.  They’ll be taking the stand for NCO at trial? 

I’ll never understand how they can deny that they got my credit report on 6/17/05.  I’ve provided the credit report with my initial disclosures.

To all of you with collections:

Don’t EVER provide ANY information to a collector!!!

A longtime reader just provided some info to an Asset Acceptance lawyer to clear up mistaken identity so they wouldn’t sue him.  I hope it doesn’t come back to haunt him.

From my responses to the NCO interrogatories:

2. Identify Christine Baker by stating: (1) Your full name (including maiden names, aliases, nicknames or other names); (2) Your current residence address and every residential address you have had for the past ten years (including dates); (3) Your telephone number(s) identifying each as residential, business or cell; (4) Your date of birth and (5) The last four digits of your social security number.

Response:

Baker objects to the Interrogatory as it seeks Baker’s completely irrelevant personal identifying data. Her address, phone and fax number are listed on the Complaint and on all filings.

Baker advises her readers and clients to NEVER provide any information to collectors as they are known to use this information to “validate” entirely fraudulent collections and claim that they had a permissible purpose to obtain credit reports when they in fact had none. 

Notably, NCO denies receiving Baker’s Trans Union credit report on 6/17/05, indicating that either its account with Trans Union was breached or that its employees are obtaining credit reports to commit ID theft or otherwise harm consumers whose personal data they locate in NCO’s database.  It is obviously very dangerous to provide any personal information to collectors like NCO.

And another one:

6. Identify the name and address of every entity, banking institution, loan officer, mortgage lender, mortgage broker, or other person with which you made any applications for residential or commercial financing within the last five (5) years.

Response:

Baker objects to this interrogatory as it is unduly burdensome, overbroad and oppressive in scope and time.  Additionally, answering this interrogatory can only be useful to NCO if it intends to fabricate a permissible purpose. As a consumer, Baker is NOT obligated to keep records of loan applications. She disclosed relevant applications in her Initial Disclosures and Complaint.

They also asked for my 5 year employment history and all “other” collections. Of course I didn’t provide ANY info.  It’s VERY scary to know that these thugs already have so much information about me from my credit report.

“Somebody" at NCO ran my credit, possibly a criminal employee and NCO is covering up.

NCO is HUGE, look at the organizational charts.  They are as vile as lowlife Paduano or any other criminal.  Dealing with these credit bureaus, collectors and their vile lawyers is like dealing with the Mafia.  They protect each other and thrive on destroying lives to maximize their profits.

And the regulators do NOTHING.

I’ll send my open letters to the Cal AG Jerry Brown, who is so outraged by the Countrywide deceptive practices he just filed an amended complaint.  Wonder what he has to say about the CRAs and NCO providing credit reports to ANYONE willing to pay DESPITE receiving detailed complaints about illegal and criminal activities.

And of course a copy will go to the FTC.  I’ll document one more time what a fraud they are.

I just hope I’ll have the time and money to get that done in the next couple of weeks, would really like to attach the complaints to my objection to the TU motion to dismiss.  And, I’d like to file partial motions for summary judgment against TU and NCO.

I’m so tired already.

Oh, one more excerpt from my responses:

15. Identify by name and address all physicians, doctors, psychiatrists, psychologists, social workers, or other medical or mental health care providers, you have seen pertaining to the physical, medical, or mental conditions, illnesses, stresses, injuries, limitations, or disabilities alleged in the Complaint.

Response:

Baker’s 2004 and 2005 investigation of the mortgage scammers and compiling her extensive research for the Defendants took an enormous amount of time.  Baker’s day has only 24 hours and during those years she literally worked at least 12 hours/day 360 days/year, eventually resulting in problems with her eyes in 2006 (floaters) and an eye doctor in Kingman on Stockton Hill told her that there was nothing he could do.  However, Baker noticed that the floaters disappeared as soon as she spent less time in front of the computer and reappeared regularly when she worked excessive hours.

Baker is not alleging any disabilities nor does she have a “mental condition.”

She was extremely stressed and anxious, however, she did not see any doctors who could not stop the Defendants’ vile conduct and were limited to drugging her.

Had Baker taken Valium, Prozac or any other happy pills, she probably would have turned into one of the many millions of medicated Americans living in a daze.  Maybe she would have gone on a shooting spree and killed some of the lying lawyers.  Maybe she would have killed herself. 

Baker is not suicidal and she does not want to live like a vegetable or turn into a killer.  Rather than making doctors rich, turning into a drug addict and risking life in prison or getting killed, she writes about her frustrations and the defendants’ atrocious misconduct at creditsuit.org and other websites.  Unfortunately, her publications were ignored and America is now facing economic collapse.

As these discovery responses are published at her sites, Baker hopes that her readers will take this response to heart, get off drugs, get angry, vote with their money and stop paying their unsecured debts and don’t go down without a fight.

I really hope that all of you with large unsecured debt and essentially judgment-proof read that until you get it:

STOP taking drugs! GET ANGRY!

STOP supporting this corrupt system with money you will soon need to survive.

Do NOT go down without a fight!

At the very least, stop paying the credit cards and use the money to take care of family and friends. 

Wednesday, May 28, 2008

NCO served discovery responses a week late, no response by CRAs

Yesterday NCO finally filed its notice of service of discovery responses, over a week late, but I’ve heard nothing from the CRAs.  TU attorney Bradley even got my Word file 2 weeks ago so he didn’t have to retype everything. 

Pretty strange.  But then again, what else is new?  They always ignore me.  I suppose I’ll have to file my motions for summary judgment ASAP, my requests for admission are deemed admitted.

Wednesday, April 16, 2008

NCO requested settlement demand—my email to attorney Grimm

Yesterday NCO’s local counsel Grimm called and asked for a settlement demand.  Last weekend I REALLY wanted to finally get the discovery requests out, but then had a new client (see the FICO 08 posting) and there’s just so much going on.

So I just sent him this email:

Mr. Grimm,

I’ve been very busy with client work, but since I promised you an email regarding settlement, I just had a quick look at the file. 

1) NCO supplied no documents with the initial disclosures, contrary to what we agreed upon during the conference call.

2) NCO was not interested in any kind of settlement conference, etc. 

So I’m guessing that this is another ploy to waste my time.  And quite frankly, I don’t really want to settle.

As you know from my complaint and filings, I’m interested in CHANGING this corrupt system.  And since I’m a realist and I know that I won’t be able to change anything, I’m left with DOCUMENTING the NCO corruption in hopes that more powerful people will take action.

NCO chose to NOT investigate the Dana Capital account breach and to completely IGNORE my notice and my extremely time consuming attempts to get it to close the Dana Capital account. 

NCO chose profits over integrity and compliance with the law, it chose to continue to sell consumer credits report to criminals.

I’ve settled in the past, even with confidentiality clauses, but usually I got more than money, such as documents that would help with my litigation.  NCO didn’t even provide the documents it listed in its initial disclosures, so I doubt they have anything to offer.

Has NCO made ANY effort to pursue Paduano or whoever signed the Dana Capital contract with NCO?

Word on the street is that he works in the mortgage business.  If so, he no doubt has access to consumer credit reports and he continues to lie to and deceive innocent consumers.

I doubt that NCO has done ANYTHING at all and I’ll get my discovery requests out ASAP. 

Of course I can be bought like everybody else and if NCO wishes to submit a serious settlement offer, I’ll consider it.

Sincerely,

Christine Baker

I feel like they’re just wasting my time.  NCO hasn’t even apologized and claims it did nothing wrong.  And that doesn’t make me want to settle. 

The timing was definitely off, I just filed the amended complaint and I WILL get my discovery requests out this week.  This has been on my mind, not exactly putting me in settlement mood.

Why would I want to settle prior to conducting discovery? 

At least I want them to ADMIT that they did NOTHING to stop the sale of credit reports to criminals.

If nothing else, I want to DOCUMENT that we need some serious regulatory action.

They can email an offer INCLUDING their “standard” settlement agreement and then I can make an educated decision and accept or counter.

Sunday, November 18, 2007

WBZ video documenting NCO illegal collection practices

5/23/06 WBZ NCO video

I just found this video from 2006 after a subscriber posted the she received a Merchants collection letter on behalf of NCO.  The account was charged off in 1996, the statute of limitations expired many years ago.

It is NOT illegal for collectors to try to collect old debts even if they are 2000 years old.  However, it IS a violation of the Fair Debt Collection Practices Act to continue to collect after you advised them NOT to contact your again.

Send your notice to the address on the collection letter with delivery confirmation and request that they not contact you again and that the collection of the debt is time barred (if the SOL expired) or that it is not your account (if it isn’t your account), etc.

If the account was charged off over 7 years ago, it cannot legally be reported on your credit.

It is interesting to see the regulators’ lack of interest in performing investigations in the video.  They don’t see a pattern. 

It’s like not pursuing a murderer because there is no pattern.

The regulators know exactly that for every complaint they get, there are many victims who do NOT complain. 

My case management hearing regarding NCO is scheduled for mid December and I’ll be posting details about my claims soon.  While they sent me paperwork to delete the inquiries by Dana Capital, they have offered NO explanation for the hard NCO collection inquiry.  How difficult can it be to disclose WHY they ran my credit?

Can’t wait to see what they have to say.