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 Posted: Wed May 03, 2006 3:51 pm Subject: identity theft |
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Company/Individual reported: household uici ace visa
i recently pulled my credit online so that i may buy a house. i then found some items on my report that are not mine.i contacted your company and was then directed to call federal credit corporation.they then told me that i had to either dispute it with them through the mail by certified letter or through the original creditor.so,this will be my third attempt to have this item removed from my credit.the acct.# is 143970 and the amount is $1,436.
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Anonymous
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Debtcc Points: 100
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| Posted: Mon May 15, 2006 9:21 am Subject: |
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Hi, welcome to the forums!
Sorry to hear of your recent troubles with this company. Have you already sent your letters out. You can try using the sample letter below, and be sure to send CMRRR. Keep track of all your correspondence with them. Give them at least 2 tries, but after the 3rd try, you can forward all your information to the reporting bureaus. Explain to them they have been unsuccessful at validating the debt, and you're asking for it to be removed immediately.
| Quote: | Date: Thursday, January 26, 2006
Re: Acct # xxxxxxxxx
To Whom It May Concern:
This letter is being sent to you in response to a letter sent to me on January 24, 2006. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.
This is NOT a request for "verification" or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following:
- What the money you say I owe is for;
- Explain and show me how you calculated what you say I owe;
- Provide me with copies of any papers that show I agreed to pay what you
say I owe;
- Provide a verification or copy of any judgment if applicable;
- Identify the original creditor;
- Prove the Statute of Limitations has not expired on this account
- Show me that you are licensed to collect in my state
- Provide me with your license numbers and Registered Agent
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau's (Equifax, Experian or TransUnion) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following:
- Violation of the Fair Credit Reporting Act
- Violation of the Fair Debt Collection Practices Act
- Defamation of Character
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any
information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to
or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
Best Regards,
Test |
Hope this information helps.
Regards-
Mike
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Teleport
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Joined: 09 Aug 2005
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