[roxette]

Scully

It is a federal crime to report inaccurate information to the credit bureaus. As you are trying to contact the collection agency and the financial institution, you should also send a dispute letter to the credit bureau.

Upon receiving your dispute letter, they will conduct an investigation within 30 days with your information providers and inform you about the change shown in the credit file.

The credit bureau will provide all the proof of the investigation done and you will get the concrete result.

Regards
Roxette

[scully_93]

Hi there jtucker! I haven't heard back from anyone yet on my letters. I will let you know though. I wanted to ask if you know of a letter that I can send to the credit bureaus? I just typed up a letter telling them my situation but wanted to get a more professional one. Do you have one or know of one?
Thanks!
Scully

[scully_93]

Roxette
I did an online dispute with Experian and mailed them a letter they mailed me back their investigation report and they told me that it was accurate. So called yesterday to have them do it again. I also called TranUnion to one too. I had both put a fraud alert on my credit report.
Scully

[roxette]

Hi scully

If you have a proof of your dispute and are believed to be accurate in all terms, you have the right to take legal actions against CRA also. Send a follow up letter if you don't get a reply within 30 days.

Also, look for an attorney that specializes in lawsuits of fdcpa and FCRA violations.

YOUR NAME
ADDRESS
CITY, STATE, ZIP CODE
SOCIAL SECURITY #

CREDIT BUREAU NAME
ADDRESS
CITY, STATE, ZIP CODE

Date:

To Whom It May Concern:

On (DATE) I requested an investigation of an entry(ies) that appeared on my credit report. I have not received a response from you.

The Fair Credit Reporting Act requires that you respond within a reasonable period of time. Please do so or I will be forced to take further action.

Sincerely,

Your Name

Cc: (Insert a lawyer's name here), Esquire

Regards
Roxette

[scully_93]

I noticed on the T-Mobile account that my last name is different by one letter, also on my credit report. I noticed on my credit report that there are names that with different middle initials and last names that aren't me. Can I delete those names off my credit report? They are different address too.
Scully

[roxette]

Surely, these invalid items that do not belong to you need to be deleted from your file. Highlight each of these items and dispute with the bureau reporting it.

Wait till their investigation is done and they will provide a free copy of your report.

Scully, let me know how things proceed.

Take care

Regards
Roxette

[scully_93]

Hi everyone! I just received two letters from Experian and TransUnion letting me know that they are deleting the Superior Asset Management and T-Mobile account off my credit report! I am so happy! Hopefully its all over with. The letter really worked that I used from jtucker from the samaritan club!
Thanks again everyone!
Scully

[ben]

Scully, this is great news. Repairing a negative remark put by Superior Asset Management is a tough job. Congrats!! You have done it. My best wishes are with you.

[bigpoppa55]

I have things on my credit that don't belong as well. I am going to use this sample letter with Word an Excel and make a mail merge and send these letters out tomorrow. There is stuff on there that is not even mine or should not be there and I know if I ask them to verify they can't (because it should not be there).

Thanks for the letter.... Will let you know how it goes...

BP

[Mary]

Keep us updated, bigpoppa!

~Mary

[david]

One of the factors that lower the credit scores are the incorrect entries in the credit report of the consumers. Credit bureaus handle millions and millions of consumer records and posting of incorrect entries is a common mistake. These must be disputed with the credit bureaus so that an investigation can be conducted and hence removed from the file. Besides, there are some other ways by which credit scores can be increased. Here is a link that gives some useful tips on how to improve the credit scores.

http://www.debtconsolidationcare.com...dit-check.html

Jtucker,
It is blatantly obvious that you copied the above letters from other sources. Why would you send a letter you copied? We in the collection industry laugh at it. The letters you send do not contain any useful information about the account you are complaining or asking about. Your copied letters also contain threats. We never use "threats" as a means of communication. My agency does not take kindly threats of any kind, especially, ones that are nothing but phoney, fake, flim-flam. Why do you keep sending the same letter??? so unoriginal! Your letter also contains the following inaccurate statement "required 30 days to validate a debt". There is no such time limitation in any federal law. I also suggest that you consult with legal counsel insofar as your letter contains many inaccuracies of both state and federal laws. Additionally, we get a kick out of the line that states "this is not a request for verification of my mailing address". I only read it 70 times a day and then simply request the account to be resold. No matter how many copied letters you send, the bottom is, once a debt is not disputed with the original creditor. It never goes away. I'm glad I finally took the time to educate someone.

settleup, maybe you should take a look at the FTC website, I got the below quote straight from that website and it does in fact state that you can give 30 days to validate a debt. It is obvious you have never heard of the FTC.

In case you still don't get it...read section 809 of the Fair Debt Collection Practices Act...hopefully you have heard of that, but here it is for you just in case:

809. Validation of debts [15 USC 1692g]

(a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --

(1) the amount of the debt;

(2) the name of the creditor to whom the debt is owed;

(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;

(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and

(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

(c) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer


"As you know, Section 1692g(b) requires the debt collector to cease collection of the debt at issue if a written dispute is received within the 30-day validation period until verification is obtained."

There again, the 30 days is mentioned.

Settleup...I think if you go to Amazon.com they have a book called Collections for Dummies...you might consider purchasing that.

You are not READING what I wrote. There is no 30 day time frame required to validate a debt. We can take as much time needed to order supporting documents.

I think you need to take a few more classes settleup...if you are going to take longer than 30 days, you are supposed to notify the person in writing that you are still validating the debt...then yes, you can take all the time you want.