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  1. you think it was unnecessary? Should maybe I call them to ask to resolve before moving forward?
  2. So i sent three letters to the big 3 over the past few months and never received the actual MOV i had asked for in the letters they sent back, just copies of my credit reports with the items listed as "verified." The first letter - "dispute the following inaccurate and incomplete credit information" in the letter i stated "description of the procedure used to determine the accuracy and completeness of the information is also being requested" The second letter - "Request to provide Method of Verification - Formal request . Third letter - “NOTICE OF INTENT TO FILE COMPLAINT AND CIVIC ACTION. - This letter shall serve as formal Notice of my Intent to file a Complaint with the FTC, The Texas Attorney general’s office, the Better Business Bureau and file civil action due to your blatant disregard of the law. As indicated by the attached copies of letters and mailing receipts, you were delivered by registered mail a dispute letter that included a request for a description of the procedure used to determine the accuracy and completeness of the information, received by Experian on August 28th, 2018. You had 45 days to respond with the requested information. You were then delivered by registered mail a letter re-requesting a description of the procedure used to determine the accuracy and completeness of the information, received by Experian on November 27th, 2018. You had 30 days to respond with the requested information. Bother letters went unanswered with the requested information.As of this moment, two times you have not done your duty mandated under the law, U.S. Code Title 15, Chapter 41, Subchapter III, Section 1681i, paragraph (6)(B)(III). Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. Rest assured, I will hold you to account. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission (see 15 USC 41, et seq.). I have maintained careful record of my communications with you on this matter for the purpose of filing this complaint and I remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), you may be liable for your willful non-compliance. I will settle and not file a complaint if the following actions are taken within 30 days. Removal of the following accounts/statements from my credit history… The reinstatement of the following accounts, these accounts were asked to be verified for complete information and not removed. You have 15 days from receipt of this letter to compete the requested actions above or I will move forward with filing the formal complaint with the FTC, the Texas Attorney general’s office and the Better Business Bureau. Furthermore, this ordeal has caused me financial and emotional trauma and I intend to seek redress in civil action, for recovery of both damages, costs, and attorney’s fees, should you continue in your deliberate obstruction of the law. For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under law from you. Please have a letter sent to the address above with conformation when completed. I hope that this can be resolved in a timely fashion. I look forward to hear from you." all the same reseposes to each letter each time from All 3. What should my next step be?
  3. Hey everyone! Brand new to the forum and need some quick help. I will try to read up on some posts but figure somebody here gonna love to hear this one. So log story short my wife is being suid by PCA Acquisitions in court here in Mongomery County Texas. I had answered the law suit with the following letter, asking for the court to dismiss the case , my first main point being that they have no surety bond filed with the secretary of state. Now today i have received a court date for August 22nd. my question is, does PCA Acquisitions still really want to peruse this after I have noted that they don't have a surety bond? Why would the judge let this continue? Or is this great for me to peruse some legal action? I'm not a lawyer and did the best research I could, but I'd figure Id get some advice on this one as it sounds like a lawsuit as well as filing a complaint with the attorney generals office for them practicing collections in Texas with no Bond? What everyone's though on this?