Credit Reporting Nightmare

they see its been 11 years and they dont want to be involved how to i tell my story and they is a lot of devcient

my

is there a lawyer that would be better,,and how would i start theis mess it is s long and hard story to tell and now i havre been diagnosed with termienal cancer

but they dont like long stories they want short intoductions

could you give me a example

can i give you a sample and should it start at what is happen now or start at the beginning of how it all happen

part 1This could happen to you. In * How did I go from an extremely happy married woman to wonderful man I had just retired and was getting our new retirement home in Florida ready, Jim opened all the credit cards, I was authorized user.Jim had high limits especially on GM card, limit was $*,* out of then * cards, Chase was the lowest at $*,000t. Our credit score after 42 years was *, I was retired 4 months, when I found out I had stage * Lung Cancer, ( no we didn't smoke) my Husband decided to retire immediately to take care of me . I needed surgery, chemo, and radiation. ( I was not sure I was going to make it, my odds were not good )would be long. I convinced my husband to put everything in his name, he didn't want to do it, but he didn't want me to be upset. My husband put in for retirement on the day he was to retire, we were at the hospital admitting him . To my shock he died three weeks later from Brain Cancer. Can you put yourself in my place? Retired, Bought retirement home, Listed our Home in Milford, Packing, Diagnosed with stage * lung cancer, Jim puts in for retirement admitted to hospital on that day, died * weeks later. How can this happen? His doctor said, his headaches were due to the stress ( Encouraged by my Lawyer to look into malpractice charges,after $*,* the cost was getting too high. It came down to the fact the I was not in the room when the Doctor told him that it was stress and Jim didn't ask for a copy of the visit. It was awful the look in Jims eyes knowing he knew he was going to die. The credit bureau was causing me to be so overwhelmed with grief and health challenges. This is how I was destroyed by wrong credit reporting ,Please bare with me it has been 10yrs of my life,I have been in this credit score Hell. Try as I could no one would tell me howthis happen. It was until *, Chase closed by credit card after * yrs,,and 6months late closed The Checking account that I had open in * with a $*.* deposit. Chase would not tell me,they said,” they can close a account whenever they feel like and not tell me the reason}”,,,That was it ! I am not going to let them continue to destroy what time I have left. No one should be treated like this from greedy, hungry companies that think rules are for everyone else, I was going to find out why my life was totally ruined. I did I went though all lawcases the involved Chase and the credit agencies. I found a case of Jerkins v Equifax,Morgan & Morgan had a case with of wrong Credit score. When Jim Died I didn't know what I was suppose to do,’ I had plenty of money over in the IRA. Jim had about * credit cards, the one we used the most was GM card with a $*,* limit. The one with the lowest amt Was Chase $*,*, I was an authorized user on all the cards. I called the credit card companies , told them about Jim dying And we are dealing with Cancer. I told them I saw errors on my Credit report, they said that is Equifax and Experience, ( could’ Never get transunion,I have tried,,I am tired of their excuses) That i could dispute things on line,,we went over everything, things they said they will take care of as well as put in actual disputes. For * yrs perfect payment, perfect score *. 1 month after My score is now *. This is how I was destroyed by wrong credit reporting Please bare with me it took me * yrs,to find out why My life is totally ruined. When Jim Died I didn't know what I was suppose to do,’ I had a lot of money in the IRA. Jim had about * credit cards, the one we used the most was GM card with a $*,* limit. The one with the lowest amt Was Chase $*,*, I was an authorized user on all the cards. I called the credit card companies , told them about Jim dying within * weeks from retiring,from Brain Cancer. As I was dealing with Cancer stage * Lung Cancer,no we didn’t smoke Each of the * credit card co,offered no information,they said.’”Stop\ using the card you have,we will Be sending out your own card” that was it. ,,,,I did not know anything about the debit to ratio,or about them adding the balance from the main card , while lowering my limit would cause my credit score to go down.. I did read recently that the Credit card co should tell what will happen,or notify you by mail before it ruins your credit score.I received nothing. Chase was the only credit card co that send ,me a new card with The same account number,so they could add the the balance to My card..my credit score goes down Now I am talking to credit card companies who told me that they will send me my own card, knowing that we had perfect credit, with high limits,and money in the IRA. I just said ok,,,I was offered no help or Information. Credit report, Equifax and Experience, ( could never get transunion, I have tried,,I am tired of their excusesThey said i could dispute things on line,,we went over everything, things they said they “will take care of disputes..” they also said That they had nothing to do with debit to ration,when I called Back to see why my credit score was low. Equiplax told Me to hire Lexington Law. I hired Lexington Law at *.* for 6 months I was told I'd have my own paralegal if I had a problem after 6 months of nothing happening I called them a gentleman with an India accent Answered the phone I asked if he was my paralegal and he said that's the title they gave me today I hung up and I canceled them I had hired Phoenix law at * a month after 4 months they didn't do anything cancel them then I hired in charge debt consolidations They did a bait and switch and did a really long without my permission I had stressed I didn't want to lose my 8 years of perfect payment they refuse to fix their error closing out all my credit cards leaving me in a Dire Straits the last company I hired was LPG and they file for bankruptcy after 6 months with them do you see what a nightmare that says become and I'm not telling you everything yet so I'm dealing with my cancer my husband sudden death moving to Florida selling our house in Massachusetts and then my credit score goes down and yet I have gotten no help no information Chase From * to * limit was $*,* the smallest out of all the credit cards * t0 * limit was $*,*. * to * limit was $*. That's 29 years no missed payments. see attachment . They sent the card,the limit $ *,* , (chase send a email t the CFPB and after them draging this on for * yrs there email was nothing but li es, they said i never had a $* credit limit,,i have the credit report they cant pull the telephone record that shows i was yelled at over the phone, and my checking account was closedbecause they said I said my was scammer,,i never said that i called the bank to find out who a charge of $*.* i was without a check for 2 months the most in *, I paid Discover 9n * $*,* for bills, I was paying off the credit cards that were high because of the balance transfer. To my new card. Chase at this time I have been with them for 19 years, that was in * at that time perfect payment history and the limit From * to * limit was $*,* the smallest out of all the credit cards ,* t0 * but now it was $*,*. they did include the joint balance, * to * it was $* thats 29 years no missed payments. see attachment Every card lowered my limit and included the joint balance, what sneaky Chase did they sent me a new card, with the same number as the joint account so they could pass the joint balance on to me,,,they knew I didn't open the account, I was never notified that they were going to this.. Credit reporting This was how I was targeted, what they did was illegal. Equiflex told me to send a certified letter which I did, but I didn't get back to them for good 2 months, I called Equifax and asked them if they got my certified letter, they said no. So we went over everything and I told this gentleman that I couldn't really keep up on it because of my health. I thought at this point that the credit reporting Bureau was a government agency because they call themselves the Bureau. I didn't get back to them I didn't check on my credit reports just try to keep my head above water The credit bureau was not a top priority, overwhelmed with grief and health challenges.

no credit card just lowed limit never telling me that their action would cause adverse reactin, they are required to tell me, if they had i could have told them that my only souuce of income was not my socail security checkm and the credit reporting get vertidingf everythin i disputed, even now i cant get see a copy of equiflec credit report on line for the last 8 months is shows credit scor * with no information just a blue scren saiding credit report not avaikaboe, I have more to add to the story

ddod that cfpb got the answer from chase and equiflax wants me to send them all the inforation m I send then a coupke of things like they have me having a po box in Tampa, they removed that one and add a po box in ca, then they took all information off the internet

i think i did the consumer attorney and they said they could help, i contact * attorney and they aid they wernt interested,,i am 80 years old i have maybe 1 year left, i have been trying to find someone who will right this wrong, i dont evern have enough money ro be buried,,, the cfpb is a fact finding group rhey dont give advice the just send letttters to the companies,,,do you wantr the rest of the story]

can you tell me how to start it for the attony geneal they require you to list each co separtted

with what information i have given you can you give me a exampe

can i give you what happen with chase and see if you can make them undertand that