Need Help with Letter to Montgomery Wards............

[donnak]

MW reply to a DV letter I sent, How do I respond back to them??

We have recieved your recent inquiry reguarding your credit card account. You have indicated you believe we have reported inaccurate information about your account to a reporting agency.

We would like to assist you with your concern, however, we have been unable to locate any record of an account with the information you have provided us.

In order that we may better serve you, please providse us with a copy of the credit report that shows the information you are questioning, provide any other names the account may be under and the ss#of yourself and spouse.............

Now I just requested validation of the information that was on the CSC credit report. Any suggestions on how to proceed???

[Niner849]

Here is the 15 day letter that I was talking about. Don't send them anything. Just send them this letter. They have to either provide you with proper validation, or delete the TL. It's not your job to provide the information for them.

Your Name

Address

City, State Zip

Sterling, Inc.

Attn: BA Dept.

375 Ghent Road

Akron, Oh 44333-4600

July 5,2003

Re: Dispute Letter of June 19,2003

Dear Sir/Madame:

This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of June 19, 2003 deposited by registered mail with the U.S. postal Service on that date.

Federal law requires you to respond within thirty (30) days, yet you have failed to respond. 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 am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wegner v. Trans Union Crop., No. 95-6445 (C.D.Cal. Nov. 14, 1995), you may be liable for your willful non-compliance.

Be aware that I am making a final goodwill attempt to have your clear up this matter. You have 15 days to cure.

For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible:

Account Name/#

The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law you had thirty (30) days to complete your re-investigation, yet you have failed to respond. Do not delay any further.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen (15) days of the completion of your re-investigation.

Sincerely,

You.

[donnak]

Thank You very much.

LadyinRed replied on another board not to send them anything they requested, so do you think I should just send this, and wait another 30 days, and /or do I send a copy to CSC (Equifax) and demand that they delete the entry on my CR???

[Niner849]

Thank You very much.

LadyinRed replied on another board not to send them anything they requested, so do you think I should just send this, and wait another 30 days, and /or do I send a copy to CSC (Equifax) and demand that they delete the entry on my CR???

I agree with Lady. Don't send them anything they requested at all. Send them this letter CMRRR, and wait 15 days. Follow up with the Estoppel, then dispute with the CRA as you not being able to validate, so how can they verify. Hopefully, by sending them this second letter, it will motivate someone to look into it. If all else fails, send them an ITS after waiting the 15 days.

[admin]

bump