Public Record Information on my Credit report

[Kanalua]

Applied for a job that needed government security background check. Got this in the mail, says it reported this to my employer (hiring agency). I don't know what it means...says I don't owe anything, etc. I checked around to see what it means but couldn't get any answers. Doesn't say which state or anything. Anyone knows what it means?

form

ps - my dad and I share names (I'm a Jr.) and I already have stuff on my credit erronously credited to me...such a pain to take care of...I wonder if this is because of him...there is no way I have deeds of $7500...

 

[Kanalua]

I deleted the docket number of course...

 

[Pepsi90919]

go to them and say:

 

[Mayfriday0529]

did you call transunion? what they say?

 

[RKS]

looks like an outstanding mortgage amount or tax lien against a piece of property. the "recorder" is the county office that tracks all deeds, mortgages, state tax liens, and other items attached to a particular piece of real property (land) with in that county.

call your county recorder or go there and see which property the lien is attached to or if it has been released.

 

[Queasy]

Call your county and the bank that placed the lien as well as the credit agency to have it removed if it does not belong to you. You'll probably have to hound after them because while they are quick to put stuff on your credit report, they can be slow to remove them.

 

[conjur]

Originally posted by: Jnetty99
did you call transunion? what they say?

Worst thing to do.


Send this letter CMRRR (Certified Mail Return Receipt Requested)
http://creditboards.com/forums/index.php?showtopic=62528

to

Trans Union
P.O. Box 2000
Chester, PA 19022-2000



Or just send a standard dispute letter such as:

December 30, 2004 CERTIFIED MAIL: xxxx xxxx xxxx xxxx xxxx

<your name>
<your address>
<your city/st/zip>
<your SSN>     <your DOB>

Trans Union
P.O. Box 2000
Chester, PA 19022-2000

To whom it may concern:

This letter is a formal complaint that you are reporting inaccurate credit information and I demand that the following information be removed from my Consumer Report.

<insert copy-n-paste of the tax lien info here>

Should you fail to remove this inaccurate item, I am exercising my right as described in the FCRA for you to provide me with the full detail of how this item was verified as valid by Trans Union.

1. Please forward to me the specific procedure(s) that Trans Union used to verify the accuracy and completeness of the information provided by <COUNTY COURT NAME>.

2. Please forward to me the business name(s) and address of the furnisher(s) of the above information, and the telephone number(s), if available.

As required by the FCRA, I will expect that you shall provide the above no later than fifteen (15) days after the tracked and confirmed delivery of this request.

To reiterate, the item in dispute is:

Type: State tax lien
Court Number: <xxxx>
Amount <amt>
Date Paid: <date>
Date Reported: <date>

Thise entry is inaccurate. I restate my demand that TransUnion remove this entry from my credit report in accordance with the FCRA:
§ 611. Procedure in case of disputed accuracy [15 U.S.C. § 1681i]

(5) Treatment of inaccurate or unverifiable information.
(A) In general. If, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shall promptly delete that item of information from the consumer's file or modify that item of information, as appropriate, based on the results of the reinvestigation.

Sincerely,

<your name>

 

[Kanalua]

thank you for your suggestions...I haven't called Transunion, and I don't know what state tax agency to call (they don't name which state). It must be a mistake cause I have NOTHING worth $7500 and never owned property. I bet it's from my father...this is like the third time this has happened if it's from my father...

 

[Kanalua]

Found it! I think...

here's a screen shot of the Hawaii State Bureau of Conveyances: boxed for easy viewing.

the docet numbers match...

another thing I've gotta take care of...as you can see my dad's had some financial issues...

 

[Queasy]

Good luck. I worked for Equifax for a couple of years and can tell you that Jrs and other "heir" type names are a constant point of frustration for credit agencies. Especially with older records.

Use the link that conjur posted to contact Transunion and contest it asap. Take care of the rest after that.

 

[conjur]

Originally posted by: Kanalua
Found it! I think...

here's a screen shot of the Hawaii State Bureau of Conveyances: boxed for easy viewing.

the docet numbers match...

another thing I've gotta take care of...as you can see my dad's had some financial problems...

You should also pull your 3-in-1 report from myfico and check for various spellings of your name. Submit a letter to all three bureaus with a copy of your driver's license and tell them to remove all names that do not match.

 

[Kanalua]

Originally posted by: conjur

Originally posted by: Kanalua
Found it! I think...

here's a screen shot of the Hawaii State Bureau of Conveyances: boxed for easy viewing.

the docet numbers match...

another thing I've gotta take care of...as you can see my dad's had some financial problems...

You should also pull your 3-in-1 report from myfico and check for various spellings of your name. Submit a letter to all three bureaus with a copy of your driver's license and tell them to remove all names that do not match.

Dang, that's a GOOD idea...gonna do that, too...thanks...

 

[Orsorum]

Originally posted by: conjur

Originally posted by: Jnetty99
did you call transunion? what they say?

Worst thing to do.


Send this letter CMRRR (Certified Mail Return Receipt Requested)
http://creditboards.com/forums/index.php?showtopic=62528

to

Trans Union
P.O. Box 2000
Chester, PA 19022-2000



Or just send a standard dispute letter such as:

December 30, 2004 CERTIFIED MAIL: xxxx xxxx xxxx xxxx xxxx

<your name>
<your address>
<your city/st/zip>
<your SSN> <your DOB>

Trans Union
P.O. Box 2000
Chester, PA 19022-2000

To whom it may concern:

This letter is a formal complaint that you are reporting inaccurate credit information and I demand that the following information be removed from my Consumer Report.

<insert copy-n-paste of the tax lien info here>

Should you fail to remove this inaccurate item, I am exercising my right as described in the FCRA for you to provide me with the full detail of how this item was verified as valid by Trans Union.

1. Please forward to me the specific procedure(s) that Trans Union used to verify the accuracy and completeness of the information provided by <COUNTY COURT NAME>.

2. Please forward to me the business name(s) and address of the furnisher(s) of the above information, and the telephone number(s), if available.

As required by the FCRA, I will expect that you shall provide the above no later than fifteen (15) days after the tracked and confirmed delivery of this request.

To reiterate, the item in dispute is:

Type: State tax lien
Court Number: <xxxx>
Amount <amt>
Date Paid: <date>
Date Reported: <date>

Thise entry is inaccurate. I restate my demand that TransUnion remove this entry from my credit report in accordance with the FCRA:
§ 611. Procedure in case of disputed accuracy [15 U.S.C. § 1681i]

(5) Treatment of inaccurate or unverifiable information.
(A) In general. If, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shall promptly delete that item of information from the consumer's file or modify that item of information, as appropriate, based on the results of the reinvestigation.

Sincerely,

<your name>

I :heart: you.

 

[conjur]

It worked for me in getting some liens removed from Equifax. EX and TU won't budge, though.