Bluebyu Posted April 7, 2004 Report Share Posted April 7, 2004 I sent a DV to a CA that was reporting a balance on a few accounts that were IIB.BK7...10-2002DV....1-2004DV.....2-2004On 3-2004 I sent letters to TU & EX, asking them not to do another investigation, but rather to delete all accounts because the CA failed to respond to my DV request.... TU did.... but EX didn't.... Link to comment Share on other sites More sharing options...
c m chase Posted April 8, 2004 Report Share Posted April 8, 2004 I had TU recently delete one the same way. Another one, they gave me a 'previously investigated' letter. I wrote them another nasty one and sent it out yesterday....we'll see how it goes.EQ/CSC just deleted one as well this past week the same way. EX just blows. They couldn't care less.Congrats on your delete. Link to comment Share on other sites More sharing options...
gdouglaslee Posted April 8, 2004 Report Share Posted April 8, 2004 With any luck Experian will go BK7. I don't see how they stay in business. Nobody uses them. I've had 2 hits in 2 years on EX. 22 in two years between TU and EQ. Link to comment Share on other sites More sharing options...
Waxworks Posted April 8, 2004 Report Share Posted April 8, 2004 I sent a DV to a CA that was reporting a balance on a few accounts that were IIB.BK7...10-2002DV....1-2004DV.....2-2004On 3-2004 I sent letters to TU & EX, asking them not to do another investigation, but rather to delete all accounts because the CA failed to respond to my DV request.... TU did.... but EX didn't.... Did you include a copy of the letter, or just write a letter stating you DV the company?I got some OC's I love to try that on.any pointers?????????? Link to comment Share on other sites More sharing options...
c m chase Posted April 8, 2004 Report Share Posted April 8, 2004 Well, DV doesn't really work on the OC anyway since they aren't bound by FDCPA, but you could always try. In my case, I sent copies of all my letters (about 4 or 5 per CA), copies of the certified mail receipts and copies of the greencards...then wrote in the letter all the FCRA/FDCPA rules they'd broken.But give it a shot...can't hurt, yeah? (this, considering the debts are out of SOL or paid off....otherwise, they might get an itch to go after you again for disputing) Link to comment Share on other sites More sharing options...
c m chase Posted April 8, 2004 Report Share Posted April 8, 2004 And here's the letter I used - I don't remember the original author...props to whoever you are Of course, this one says Experian....and they haven't deleted yet. But anyway.....-------------------------------------------------------CMChase69 DocDon AvenueTulsa, OK 00000ExperianPO Box 9595Allen, TX 75013 March 01, 2004 RE: Account #123 456 7890To Whom It May Concern: This is a request for deletion of a disputed item. I have attempted to have this alleged debt verified by the alleged creditor and collection agency to no avail. I am respectfully requesting that Experian do what is legally mandated by the FCRA and FDCPA, and delete the account listing. Midland Credit Mgmt –account number 123 456 7890On several occasions, Midland Credit Mgmt has received a demand for validation from me. Attached is a copy of those letters along with the U.S. Post Office return receipts showing they did indeed receive the requests. As of today, March 1, 2004 they have failed to provide any proof or respond in any way. The FDCPA states they must cease collection activity until they have produced verification of the alleged debt if so requested. As per the FTC, this includes reporting to the credit bureaus, which they obviously have done illegally. It is quite evident that no such proof of this alleged debt exists or they would have provided it in the previous 5 months since it was requested. As per the FCRA, if no proof of debt exists, it may not be reported to the credit reporting bureaus. The FCRA also states that the credit reporting agencies must accept written proof from the debtor. Therefore, I am not asking for an investigation to be done, I am requesting that the entry be deleted in its' entirety as there is no proof of its existence as evidenced by my attached documented proof.I will look for an updated copy of my credit report from Experian. Please send the ENTIRE report, not just the action taken on this account.Enclosed is a copy of my driver’s license for identification purposes. Sincerely, CMChase Link to comment Share on other sites More sharing options...
Bluebyu Posted April 8, 2004 Author Report Share Posted April 8, 2004 Thanks CM........I don't even think they read the letters...They look at name & account number and say OK already disputed, NEXT....and throw the letter out....When I come back from vacation I think I will send EX another letter....What did you put in your letter, that was different from the first one ???As for what I sent to the CRA, a copy of the DV's and green cards... Link to comment Share on other sites More sharing options...
c m chase Posted April 8, 2004 Report Share Posted April 8, 2004 So far I've only sent EX one letter about this account.I'd sent the CA several letters. Are those what you want to see? Link to comment Share on other sites More sharing options...
DocDon Posted April 8, 2004 Report Share Posted April 8, 2004 69 DocDon AvenueAnd how exactly did you get my address? Link to comment Share on other sites More sharing options...
c m chase Posted April 8, 2004 Report Share Posted April 8, 2004 You keep giving it to me, crying "come see me! Come see me!"......Remember? Link to comment Share on other sites More sharing options...
DocDon Posted April 8, 2004 Report Share Posted April 8, 2004 Must have been the booze... Link to comment Share on other sites More sharing options...
Bluebyu Posted April 8, 2004 Author Report Share Posted April 8, 2004 I thought you sent EX 2 letters, I am not sure what to say in the 2nd letter that I send to EX, that I haven't already said in the first one... Link to comment Share on other sites More sharing options...
c m chase Posted April 9, 2004 Report Share Posted April 9, 2004 Oh....nope, not yet anyway. After the dispute is over, I won't be sending them another letter about it because they'll probably say 'verified' or 'previously investigated' ...and in that same dispute I have them on many failed attempts to verify (I have proof they're reporting wrong), so my next contact with them would be filled-out legal docs. Link to comment Share on other sites More sharing options...
Bluebyu Posted April 9, 2004 Author Report Share Posted April 9, 2004 OK...so if you sue them, do you have to file it in Texas ? Did you try the BBB yet ?So I guess my 2nd letter to EX will be a waste of my time ? Link to comment Share on other sites More sharing options...
c m chase Posted April 9, 2004 Report Share Posted April 9, 2004 OK...so if you sue them, do you have to file it in Texas ? Nope....I'll file here, in Tulsa. Did you try the BBB yet ?No on that, too. I figured that would take too long. If I end up filing, I'll file suit and in the process, complain to BBB/FTC/whoever. I'm tired of jacking with them.So I guess my 2nd letter to EX will be a waste of my time ?Not necessarily. I'm just not going to send them anymore because I have them on SOOO many violations right now. In the last 2 months they've racked up quite a handful. I've tried reasoning with them and am sick of it. So my next move will be to sue. I don't even know if I'll give them an ITS...the way I feel right now, I'll just go fill out some pretty paperwork. You can always send more letters...I've sent plenty before this one (about different things). The bigger the papertrail the better. Plus, I'm sure they'll break more laws for you like they did me. lol Link to comment Share on other sites More sharing options...
Bluebyu Posted April 9, 2004 Author Report Share Posted April 9, 2004 Well good luck...........You give them Hell.... : I thought you had to file a suit in the county were the defendant is located ? Link to comment Share on other sites More sharing options...
gdouglaslee Posted April 9, 2004 Report Share Posted April 9, 2004 You must file where the cause of action (damages) occurred. If you are suing CRAs/CAs then it's your county. If an OC/CA is suing you, you're still the cause of action, so it's your county, plus the other issue is jurisdiction. A judge/court in Michigan has no jurisdiction over people outside of Michigan. A CRA/CA may be headquartered in another state, but if they conduct business in your state, they are under your state's jurisdiction, so file suit in your county. Link to comment Share on other sites More sharing options...
ceowens Posted April 12, 2004 Report Share Posted April 12, 2004 I sent TU a nutcase letter this morning demanding removal of NCO tradelines. I sited that I had DVd NCO and they failed to respond and that if the NCO TLs didnt disappear then I would be suing both NCO and TU. It has been my experiance that things dissapear from Tu pretty easily. Hope it works........ Link to comment Share on other sites More sharing options...
Waxworks Posted April 16, 2004 Report Share Posted April 16, 2004 It has been my experiance that things dissapear from Tu pretty easily. Hope it works........WHere did you hear this one? I have had the Roughest time with TU, Easiest with EX, and EQ.....so-so Link to comment Share on other sites More sharing options...
c m chase Posted April 16, 2004 Report Share Posted April 16, 2004 It seems to vary. I've had the easiest time with TU getting things deleted. I started out at the very end of last year with about 25 negatives and on TU have like 4 left....so yeah, I say my record with them is fantastic. EQ/CSC has deleted all but like 7 and Experian is nowhere close - like they've deleted 3 now? I hate CSC because they're stupid.....but at least every once in a while I get to say 'wooooohoooooo!' from them. Experian I nearly always grumble at them. Link to comment Share on other sites More sharing options...
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