2007 The most crooked collector I have ever dealt with, saving up the money to sue them. They aren't registered with California so I can't serve them to hit them with a small claims suit. Can sue in superior court, although fees are higher and I need an attorney to take the case. But I am saving the money to pay the retainer to bring about a case. During the consultation, the attorney found 17 violations of the law, I went to another attorney for free consultation and he found 15 violations, which were the same as the first. Definitely plan on taking these crooks to court, unfortunately I am stuck with it until I can get the money to pay an attorney to sue them. They still haven't provided validation for the debt, although they finally quit calling after cease and desist order number 3.
I received a copy of my credit report from Equifax who is at the top of the heap. Just like magic an entry for about 10k suddenly appeared on my report from Credit One, LLC. I sent a letter by registered mail to both Credit One and Equifax requesting documentation supporting their claims. Nothing....I contacted the Louisiana Secretary of States office by email requesting registration information about Credit One, LLC. They have no documents on file where they are registered as an LLC. The matter has been referred to Louisiana Attorney Generals Office for follow up. I have also filed a complaint against Equifax with the Federal Trade Commission. Those jerks are not concerned with correcting an error as much as sending a computer generated form letter that they have verified the entry. Well, I don't use credit cards, so how can I owe a credit card company? When this entry first appeared on my report, I phoned the number only to have the person on the other end go through a list of credit card companies to ascertain which one might apply to suit their claim. It has been over 30 days, without any evidence from Equifax of Credit One, LLC.
HMMM, MR. HIBBS. DID YOU EVER STOP TO THINK THAT MAYBE...JUST MAYBE... MR. TOM D'ANGELO OWNS MORE THE ONE COMPANY? CREDIT ONE IS HIS FORT WORTH OFFICE, CREDIT SOLUTIONS IS THE NEW ORLEANS BASED AND THE COMPANY HEADQUARTERS, OPTIMUM IS A CORPORATION THAT HASN'T BEEN VALID IN OVER 10 YRS. AND CRS IS, WELL WAS HIS CANADA BASED OFFICE. NONE HAVE ACCESS TO THE OTHER'S FILES...THEY ARE COMPLETELY DIFFERENT ENTITIES.