DunDone Posted May 16, 2003 Report Share Posted May 16, 2003 recently noticed that Cingular Wireless had listed a $95 debt as a charged off account on my credit. I had the credit bureau "verify" it and when they did, I called Cingular, they too said I owed the money so I paid it using a credit card. (I know, I know) I realize now I should have made them verify it to me with copies of original documentation. Over a month ago, I sent Cingular Wireless a certified, return receipt letter and asked them to provide me with copies of documents which prove that I had this account with them, and proof of the validity of the debt within 30 days. I received the receipt signed by a Cingular employee but it has been more than thirty days, and they have not replied to my letter and request for documentation. May I send the CRA's who are including this charge off on my credit a copy of my letter to the creditor, a copy of the return receipt and request that they remove the derogatory information, since the creditor cannot or will not provide me with proof that I owed this debt? I am less concerned with the $95 dollars than I am about the charge off showing on my credit report.Thanks, Link to comment Share on other sites More sharing options...
sisflomi Posted September 8, 2003 Report Share Posted September 8, 2003 Send it with a pr letter, you can find that at my link below my name Link to comment Share on other sites More sharing options...
Randysbarb Posted September 13, 2003 Report Share Posted September 13, 2003 What is a PR letter? Link to comment Share on other sites More sharing options...
sisflomi Posted September 14, 2003 Report Share Posted September 14, 2003 It is a procedure request from the CRA. You are basically asking them how they verified this when you tried and couldn't. Link to comment Share on other sites More sharing options...
Randysbarb Posted September 14, 2003 Report Share Posted September 14, 2003 oh I see, thanks Link to comment Share on other sites More sharing options...
Recommended Posts