sunbum Posted August 23, 2003 Report Share Posted August 23, 2003 sent in a request for method of verification with 15 day turnaround like 30 days later after I had sent another letter to them I recieved a letter and it was postmarked 10 days after the date on the letter that was in the envelope what can I do Link to comment Share on other sites More sharing options...
md Posted August 23, 2003 Report Share Posted August 23, 2003 Simple, keep the envelope. That would be something very handy to have in court. It doesn't matter if they write the date on the letter as being from 1963, if it was in an envelope with a postmark of five days ago, it means the earliest you could have received it would be 5 days minus a few for delivery ago. Of course they could claim that the envelope was for another letter they sent you, but don't worry about that yet; just hang onto both the letter and envelope it came in. Link to comment Share on other sites More sharing options...
sunbum Posted August 23, 2003 Author Report Share Posted August 23, 2003 I had been turned over to there special services unit so basically they would not do anything as far as disputes so I called the rep that handles my case and let her know I had caught her and demanded she remove the derogs from my credit and quoted the part of the fcra she had alread violated which was 15 days to send method of validation and wanted the name to her sup she gave it to me so I faxed everyhing I had which is alot return reciepts letters from the rep and the envelope in question attn the sup and also noted on the fax I was sending the same info to them return reciept for my records and noted the issue with the envelope and told them that a judge or the ftc would probably be very interested in the practice of back dating lettersso somebody give me some input can I put heat on them and get this info removed from my credit, what is my next move help please Link to comment Share on other sites More sharing options...
sunbum Posted August 23, 2003 Author Report Share Posted August 23, 2003 bump Link to comment Share on other sites More sharing options...
md Posted August 23, 2003 Report Share Posted August 23, 2003 Your next move would be to throw some periods in here and there. Just giving you a hard time. File complaints with the FTC and your state attorney general's office, include copies of the envelope and letter, explain the situation, etc. You can cc: it to the CA. Most of the time people cc: the FTC and AG's office, but I think if you do it this way it may be more powerful and will show that you did indeed inform the FTC and AG. Link to comment Share on other sites More sharing options...
sunbum Posted August 27, 2003 Author Report Share Posted August 27, 2003 I had the vp from credit data sw call me today and wants to have a sit down tomorrow with me what should I say or do? Link to comment Share on other sites More sharing options...
sunbum Posted August 27, 2003 Author Report Share Posted August 27, 2003 also the return reciept I recieved is exactly five days from the date on the backdated letter Link to comment Share on other sites More sharing options...
kb9tbq Posted August 27, 2003 Report Share Posted August 27, 2003 This is an interesting turn of events to get a conference call from them regarding this matter. I am not an agressive person here, I am not certain how serious of a violation this is - and how much leverage this actually gives you. Might be along the lines of just a technicallity, least by their reaction (you may just have them on this matter).Would be calm and polite in the matter, never raise your voice - even if the person on the other end does, if they do - then politely point out that they are raising their voice and if they are rude about it - then politely tell them that should the matter not be resolvable. You will just have to follow thorugh with your intended plans.Let them know that you are open to a mutual resolve and I think should they offer deletion in light of this, that is great. And maybe a reduced amount to be paid, but as far as going for violations and fines - that is later should they drag the matter into court. I would not make that a requirement at this time.Think what is most important is just getting agreement for deletion, everything comes second to this.Ok, hope that helps, if you can find one of the other members much better on this point - like Xanathos - he has plenty of hands on experiance with negotiating things like this. In fact think he even recieved money for his effort out of court against a collection agency.Definitely look for him, and review his back posts to get the best idea on what can be done here. Link to comment Share on other sites More sharing options...
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