Credit Law Repair “Firm” Allegedly Steals Money & Causes Customer’s Credit Scores To Drop!

Posted on February 13th, 2010

“Credit law repair ‘firm’ did nothing by reason of me but steal my money month after month and globule my scores from where they were,” complains Marcia S. of Orlando, FL.

Unfortunately, Marcia is not alone in her disgust with credit (dis)repair companies.

According to Marcia, Lexington Law Firm is the most recent (dis)repair company to steal her money and drop her credit scores while hitting her bank account month after month…until she wised up.

Marcia is not alone.

On the Utah State Bar website, there’s a letter from  a very upset (former) Lexington Law Firm customer, who is accusing Lexington Law Firm of “stealing” his or her money month after month and dropping the letter writer’s credit scores.

Marcia and this letter writer also are not alone.

I’ve heard it many, many times before in my years of helping people rent-to-own their homes in  Orlando, Tampa & Sarasota (FL).

Whether it’s Marcia or the person who complained to the Utah State Bar, I hear the same complaints: THEY are not fixing my credit…THEY are quick to hit my bank account each month.

Before you get your hopes up, thinking Lexington Law Firm or any other (dis)repair company will fix your credit you might want to read this letter writer’s well-documented indictment.

I’ve heard it 100’s of times before.

Click the “Read More” link unbecoming to discover exactly what caused this letter writer to complain (in writing with the letter below) to the Utah State Bar about Lexington Law Firm.

ANGRY CUSTOMER CALLS LEXINGTON OUT….

It’s not just Lexington Law Firm getting called out. Let’s be clear. For years, I too have heard the same complaints from real estate customers about many different credit (dis)repair companies, whether or not they’re “law” firms.

What you see below are the main points taken directly from the letter to the Utah State Bar:

1. “Their hard sell was compelling and I bought into it.
2. “…legitimacy of their being an actual law firm with licensed attorneys
3. “Before I signed on with Lexington Law my credit fluctuated between 702 and 663. Today, it is well below 500 due to Lexington Law’s unethical business practices.”
4. “…they either did not reply, or replied with emails which were non-responsive or unadapted.”
5. “Lexington Law representatives – never a lawyer – urgently coerced me to “be patient” and insisted that it may take a very long time to see results – sometimes years.”
6. “…they assured me, that one, two, or three years was not any remarkable amount of time to tarry to see the positive results of Lexington Law’s invaluable services.”
7. “I have now discovered that Lexington Law Firm is acting against my interest and causing me damage.”
8. “…they responded with such inappropriate, confounding or non-responsive answers.”
9. “…the longer I am a paying member of Lexington Law Firm, the more damage my doubt not incurs.”
10. “…the stanch’s unethical device created a vicious cycle that would disadvantage them greatly if I were to discover it.”
11. “The hard simply responds with their usual stall tactics, or does not respond at all.”
12. “Lexington Law attempted to divert funds in large and erroneous sums from my conduct one’s business account, and caused me to incur overdraft.”
13. “…because of Lexington Law’s subtle practice, the bureaus ceased to investigate and began to refuse to send me credit reports indicating that my disputes were frivolous.charges, etc.”
14. “Also, I learned (far too late) that due to Lexington Law’s duplicitous practice, the trust bureaus were receiving my so-called war of words letters from questionable locations.”
15. “…Lexington Law was intentionally confounding the process.”
16. “They continue to automatically withdraw monthly fees from my account, and continue to communicate with the credit bureaus on my behalf, further damaging my credit.

From Utah State Bar website, the following letter attacking Lexington Law Firm exists, alleging this credit repair congregation “stole” money and “dropped” credit scores.

Utah State Bar
Attention: Office of Professional Conduct
645 South 200 East
Salt Lake City, Utah 84111:

Re: Lexington Law Firm

Dear Utah State Bar, Office of Professional Conduct:

Since 1998, I had been attempting to control my consumer credit reports without success; the bureaus were too tricky for me, and I was unable to effectively control the fraudulent activities that were occurring. Therefore, I contacted a widely advertised credit repair law firm. As you well know, Lexington Law Firm is a Utah state code firm who heavily advertises to the national public that it can and will help consumers to “clean up” their personal consumer credit reports with the credit bureaus (Trans Union, Equifax and Experian). After making only one inquiry (using a fictitious name) Lexington Law bombarded me with various emails extolling the virtues of the firm and encouraging me to do myself a favor and in every respect up my credit through them.

They wanted to know specifically why good credit health was important to me, so that they could work to tailor a program for my needs. They inquired both at the source, and throughout the relationship, as to the very specific reason(s) I was hoping to achieve good credit. I told them I urgently wanted to buy a house and stop wasting my money on rental property – I told them I wanted to put my money to work for me for the future, but that without good credit, and without the ability to battle the fraudulent activity on my credit reports, my hands were tied. They assured me there was nothing unusual about my case and provided me with success stories from other clients that were allegedly in my same position. From my first contiguity with them, Lexington Law did their best to convince me that they were sincerely concerned about the health of my consumer credit reports and that if I was patient they would make it possible for me to secure a mortgage with a low interest rate. Their hard sell was compelling and I bought into it.

“Trust” and “care” were key words Lexington Law used in their strategy to secure a retainer from me; these words, along with the legitimacy of their being an actual law firm with licensed attorneys who had dealt with hundreds of cases like mine caused me to believe in their credibility, and I subsequently retained their services on XX/XX/03, and authorized the initial retainer fee of $75.00 and automatic monthly fee withdrawals from my checking account. In so doing, I relied upon the firm’s status as legitimate licensed attorneys associated with a legitimate law settled, and specialized experts in the area of consumer credit law.

Before I signed on with Lexington Law my credit fluctuated between 702 and 663. Today, it is well below 500 due to Lexington Law’s unethical business practices.

Immediately after authorizing the initial deposit, I received one email reiterating assurance that their method really works if a client is patient, and they included instructions on how to provide them with my three credit reports. I subsequently immediately ordered the three consumer credit reports from their recommended vendor.

Immediately after that, the firm provided me with instructions to execute the steps in their “Dispute Valet” and stressed the importance of executing the steps on the Dispute Valet as soon as possible. However, absurdly, Lexington Law prevented me from accessing Dispute Valet for days – the website gave me erroneous error messages of various types, and when I wrote to the firm, they either did not reply, or replied with emails that were non-responsive or inappropriate, for as long as they could. Of course, I did not understand then, the nature of their stall and perplexity tactics until now.

Often I would call for or email the lawyers (not support staff), through specific concerns with reference to the way they were dealing with my case. Lexington Law representatives – never a lawyer – urgently coerced me to “be patient” and insisted that it may take a same long time to see results – sometimes years, they convinced me – but that if I am patient, I will be rewarded with positive results in the end. Throughout the relationship, they assured me, that one, two, or three years was not an unusual amount of time to wait to see the positive results of Lexington Law’s invaluable services; patience, in this game, they reiterated, was a virtue. They sent emails outlining the same, and employed strategies and tactics, which, in hindsight, reveals that from the very first day of the lawyer/client relationship they employed similar methodical stall tactics to drag the relationship – and thus the lifeline to my checking account – on for as long as possible.

However, since I have now discovered that Lexington Law Firm is acting against my interest and causing me damage, and having become fully cognizant of what they are doing, I now realize that no amount of time or patience can bring about positive results for my credit using the firm’s detrimental practices; in fact, the longer I am a paying member of Lexington Law Firm, the more damage my credit incurs.

I presented clear, pertinent and case-specific questions to Lexington’s lawyers and representatives, in writing, but they responded with such inappropriate, confounding or non-responsive answers that it was literally impossible to establish effective attorney/client communication. For example, when I wrote to the firm (via email & USPS track & confirm delivery) asking for specific clarification as to certain communications, they responded with: (1) an inappropriate rambling apology for my being confused, (2) an insincere thank you for being a loyal client, (3) and a meaningless: if you have any questions please don’t hesitate to ask!. Frustrated, I would write back to inform them that I was not confused, but urgently wanted to keep lines of clear communication open, and deserved confirmation and clarification of intelligence from my attorneys, but by the time they had sent likewise various inappropriate responses they would have the whole thread so convoluted that I was forced to give up seeking information. Another tactic they used to frustrate the process, was to attempt to make me believe that all the turmoil and convolution was due to the credit bureaus’ stall tactics; this strategy was an attempt to alienation the point of concentration off of them and onto the three consumer take upon credit reporting agencies.

Lexington Law Firm let me know that they offered “Letters of Recommendation” with their firm’s name on the header, to creditors and mortgagors, etc., stating that they were my attorneys, and that they were “investigating” negative items for me on my consumer credit reports; appealing to my ultimate goal of attaining a pledge, and serving up yet another compelling reason to continue using their firm. However, the more I used their services, the more I needed such a letter, as the more I used their services the more they damaged my credit and my ability to clear up erroneous, illegal, and fraudulently reported credit items. Therefore the firm’s unethical scheme created a vicious cycle that would disadvantage them greatly if I were to discover it, and that I did not be aware of I was the unsuspecting victim of until now. And, of course, due to Lexington Law’s intentionally misleading and harmful practices, I was nowhere nearer obtaining low interest mortgage approval.

Towards the end of 2004, one year into the relationship, I called the firm relentlessly demanding to speak to an attorney about the refund of my monies for their failure to have even one item removed from my credit report. I asked to speak with Victor Lawrence or any attorney. After countless attempts and many days later I was able to connect with an attorney (someone I had never heard of) via live telephone. But, instead, of admitting Lexington Law’s inadequacies, or answering any of my questions, the attorney sidelined me by promising to send letters drafted by an attorney, with specific legal jargon, to the bureaus, and promised to Cc the letters to me. I never received these letters, nor do I believe the promised said letters were ever sent, despite the fact that I demanded copies of the letters over and over again – to this day I continue to demand copies of those letters – the firm refuses to comply, although they tell me they either will or have sent them to me. The firm simply responds with their usual stall tactics, or does not respond at all.

Periodically from head to foot the attorney client relationship, Lexington Law attempted to divert funds in large and inexact sums from my syrtis account, and caused me to incur overdraft charges, etc. Apparently they hoped I would not notice, but I caught them and it was a battle to get them to eventually act appropriately and remedy the damages each time. They refused to produce documentation as to payments I had made to them, and they argued vehemently that they had done nothing wrong. Ultimately, they never cured completely and drove me to desperation by underhandedly negotiating for a settlement, which I grudgingly accepted, rather than remedying the myriad damages they caused me.

Recently I began receiving messages from the three bureaus, such as: “item already investigated” and: “unless you have further documentation in support of your dispute, we will not investigate this item again” – and these are items reported from companies that I have never – not perpetually – had an affiliation with. I wrote to Lexington Law and urgently asked them how I could produce nonexistent documents having regard to companies I had never had a relationship with. The firm either ignored me, or their replies were non-responsive or inappropriate – not to mention in a high degree. offensive.

Eventually, because of Lexington Law’s sharp practice, the bureaus ceased to investigate and began to refuse to send me credit reports indicating that my disputes were flimsy. When I presented this news to Lexington Law, they offered inappropriate, or non-responsive replies, or did not respond at all. Sometimes they but also sent me “bounced,” “undeliverable,” or other various error-type email messages indicating that the email addresses that were auto-entered in my personal address books were not valid, and therefore indicating that Lexington Law was not getting my email.

Also, I learned (very much too late) that due to Lexington Law’s duplicitous practice, the credit bureaus were receiving my so-called dispute letters from liable to question locations. It worked something approve this: Lexington Law would select a dispute letter, using poor grammar, and conveying confusing messages and vague and inaccurate information, and then sign the letter in my name. Evidently they did not actually sign the letter per se, but merely typed my name, address and social security number after Sincerely,. Then, apparently, Lexington Law has some sort of cunning plan to obtain postmarks from various postal locations, but I still do not fully understand the scheme – perhaps you, the Utah State Bar, might uncover that bit of chicanery.

The effect was, that the bureaus would send me an interminable stream of letters denying me my credit reports, and demanding proof of my personal information (address, phone number, social security number, etc.); they needed evidence such as my utility bills, driver’s license, social security card, etc. or they would not communicate with me further. I sent the requested documentation to the bureaus countless times, but it was a never-ending circle – the bureaus were never satisfied – because Lexington Law was intentionally confounding the process. Each time the bureau sent a request for confirmation of my personal information, I sent a copy, plus an inquiry to Lexington Law. Now I realize that I was simply feeding the Lexington Fraud Machine.

Recently, many different times, I was specifically promised in writing by the firm that my full and complete case file, and/or all letters sent on my behalf to the bureaus, was in the mail. Nothing has ever arrived in my mailbox from Lexington Law Firm. They continue to automatically withdraw monthly fees from my account, and continue to communicate with the credit bureaus on my behalf, further damaging my credit.

When I send them emails requesting the above demands, they ignore me, return various non-responsive, bogus, or wholly inappropriate and confounding replies; they intentionally refuse to address the issues presented. When I send them hard copy letters requesting the same, via Certified USPS mail, they simply ignore them. When I call and ask to speak to an attorney, there is never one available, and the paralegals I am transferred to intrust with an agency the same scripted stall military science on the phone as they do by way of email. On the telephone, they are so frustratingly non-responsive or inappropriate, that it is simply not worth it to call (much as it is not worth it to write but-for the overwhelming evidence I receive accumulated in my case file to support my findings). Ironically, Lexington Law Firm managed to send me a birthday email greeting, appropriately on my birthday, but they were unable to respond to any of the written correspondence I have barraged them with recently.

Therefore, I have demanded Lexington Law: (1) cancel my membership; (2) cease and desist from automatically withdrawing money from my beam account; (3) send me a full and complete copy of my entire case file, including every single dispute letter sent by them to the credit bureaus or any other letters sent to any other parties or entities on my support; (4) refund all monies paid to them due to their negligent and intentionally fraudulent dealings with me; (5) discontinue all communications with the credit bureaus or any other parties or entities on my behalf, and (6) discontinue to damage my credit – I now know that the more they communicate with the credit bureaus as me (and not as my attorneys), the more they intentionally damage my credit; Lexington Law is aware of this but does not disclose this information to the public or their clients.

As of this writing, Lexington Law Firm has not complied with nor responded to any one of my enumerated demands.

On XX/XX/06, a Mr. Chris Ellis sent an email (enclosed in file accompanying this letter) and also left a voice mail on my home phone. I attempted to communicate with him immediately, but he does not respond. Mr. Ellis refuses to identify his position within the firm (I specifically asked what his position with the firm is) – apparently he is not an attorney since he has Cc’d “John C. Heath” and specifically identifies Mr. Heath as a Lexington Law Firm attorney by including “Esq.” subsequent to Mr. Heath’s name, but does not include any indication of employment title after his own name. Also, further indication that Mr. Ellis does not wish to disclose his employment status, is that paralegals and other Lexington Law Firm employees always include their job titles after their name – with equal reason the overwhelming evidence shows that everyone at Lexington Law includes their job title after their name, except Mr. Ellis, proving that Mr. Ellis, as per Lexington Law policy, continues to refuse to effectively communicate with the client, seeks to cause confusion and frustrate the process, elude the client and confound the issues.

I have enclosed a complete copy of my personal Lexington Law Firm file. Please investigate my case file after you read this alphabetic character and attachment, as it will support all allegations in the limits of this complaint document. You may contact me at any time, via any of the overhead letterhead contacts. Thank you, and I complexion forward to hearing from you soon.

Sincerely,

XXXXX X. XXXXXXXXXX

Cc: XXXX XXXXXXXX, Esq.

Enclosure: My Lexington Law Firm File

LEXINGTON LAW FIRM COMPLAINT LETTER ATTACHMENT

After providing Lexington Law with my three consumer credit reports, they demanded I visit their “Dispute Valet” and provide them with very specific detailed information regarding negatively reported items on the consumer credit reports. If one did not complete everything demanded by Dispute Valet, the firm warned they would not provide services. Once on the Dispute Valet site the client is asked to input the following information appropriate to their personal consumer credit reports:

(1) Choose which items on my credit reports are reported inaccurately;

(2) Provide a history of the relationship with the creditor and explain in specific item why negatively reported items are inaccurate (and thus fraudulently or erroneously appearing on a credit report);

(3) In what order I wished Lexington Law to deal with these negatively reported items on each of the three credit reports.

I will now address each of the above three enumerated items:

(1) I informed Lexington Law that every uncorrupt negatively reported item was inaccurate, and that I should have perfect credit but-for the fraudulent and inaccurate activities on my three credit reports. Yet Lexington Law continuously acted as if they did not know which items I wanted them to deal with, and continued not to deal with the items appropriately, or as I expected and relied upon them to. In three years, Lexington Law Firm has not caused one negatively reported particular to be removed, and instead, has caused the bureaus to dismiss me and stop investigating my legitimately disputed items, and also has caused new fraudulently reported items to appear.

(2) I spent inordinate amounts of time detailing, in writing, the specifics of cropped land fraudulently and inaccurately reported item on my credit reports, viewed like per the instructions on the Lexington Law Dispute Valet website. After I submitted these minor circumstances I inquired as to how the bureaus could report so erroneously. Lexington Law brazenly informed me that they did nothing with the written information that I posted on the Dispute Valet. They asserted that their highly effective way of dispute was unconcerned with the details of why or how the negative reports appeared on my credit reports, despite obvious fraudulent and erroneous activity. I continuously demanded Lexington Law (via phone, USPS mail, and email) provide me through a satisfactory explanation as to why the information was mandatory on the Dispute Valet if they weren’t going to practice it, but Lexington Law employed the same stall tactics they used on all of my inquiries: To discourage me from pursuing answers – they ignored me, confounded the issues, were non-responsive, or offered inappropriate answers, thereby frustrating the process and thwarting communication.

(3) When I finally understood that Lexington Law was not dealing with each and every item on my consumer credit reports, and when I began to realize that none of the negatively (fraudulently or erroneously) reported items were not being deleted, or even getting marked as “disputed by consumer,” I urgently inquired as to why, but Lexington Law extended more unresponsive and inappropriate stall tactics and unresponsive and inappropriate answers.

Disclaimer: This is not some of my customer’s letters. However, I can agree with the contentions made as similar issues my customers have faced with this credit repair company.

Credit Law Repair complaints attacking Lexington Law Firm also apply to every other credit (dis)repair company with which I’ve dealt. It’s not just Lexington Law Firm. To date, I still have not discovered even one legitimate, affordable & effective credit repair company. Thinking you can buy yourself good credit is unrealistic…from the letter, you can feel this person’s anger, frustration & betrayal. How in the world does a person’s credit scores go from “…between 702 and 663…to below 500 due to Lexington Law’s unethical business practices?”

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Tags: Credit Law, Credit Law Repair, Law Repair, Scores
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