Mortgage denied based on fraudulent collection accounts
Date: Wed, 11/02/2005 - 10:19
social security number. When asked why do they reappear each credit bureau states because all information matches, of course they match my ID is being used to establish bogus accounts. I have even filed a complaint with FTC and still no resolution. At this point I am frustrated and confused what am I doing wrong? What can I do?
Please send this letter to the credit bureau highlighting the in
Please send this letter to the credit bureau highlighting the incorrect item and request for verification. They are supposed to provide you with the proof of investigation done within 30 days.
[quote]
YOUR NAME
ADDRESS
CITY, STATE, ZIP CODE
SOCIAL SECURITY #
CREDIT BUREAU NAME
ADDRESS
CITY, STATE, ZIP CODE
Date:
To Whom It May Concern:
I am requesting that the item(s) listed below be immediately investigated. The account does not belong to me. Therefore, this credit report does not accurately reflect my true credit history and is detrimental to me.
Credit Report Date:
The following does not belong to me: Entry(ies) issued by
Please return a report reflecting the result of your investigation. Should verification not be provided within 30 days, I expect the above mentioned entry(ies) to be permanently deleted from my credit report.
Sincerely,
Your Name
Note: Some entries may appear on your credit report that does not belong to you. This could be due to a simple data entry error.
[/quote]
Please send a follow up letter if you do not hear from them within 30 days.
Quote:
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 |
Send your third copy along with a copy to the FTC if you still don't hear from them on the previous occasions.
As per the fdcpa laws, you have the provision of adding 100 word statement in your credit file. Use a brief description to explain your situation so that the future lenders get the accurate picture about your financial situation.
