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Ok i'm helping a friend she has a collection listed on her report it says concord --we've never heard of them it just now appeared on her report as of 2 weeks ago it was not there. We did find a phone number which we called but they are closed until monday 480-9987585. They have a trade line for 6300.00 anyone ever heard of them?

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Ok what shall she do --she called the phone number and was told that the company collects for timeshare accounts that are behind. The rep that she spoke to said they are no longer handling the account that she need to call the following timeshare resort she was given the name of the resort and also the phone number. She asked the rep if the trade line could be removed and the rep said no. My friend has looked back in her records and she has no info on this collection agency no letter no nothing.

She called her loan officer back and they said it either needs to be paid or no loan. She is running out of time here. the amount is 6300.00

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Have her write them a letter and copy and paste these sections into the letter. State they are in violation of the FDCPA and the matter has been forwarded to the Attorney General (for the state the CA is located in) and the FTC. Demand immediate deletion of the entry.

§ 807. False or misleading representations [15 USC 1962e]

(11) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.

§ 809. Validation of debts [15 USC 1692g]

(a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --

(1) the amount of the debt;

(2) the name of the creditor to whom the debt is owed;

(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;

(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and

(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

§ 813. Civil liability [15 USC 1692k]

(a) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of --

(1) any actual damage sustained by such person as a result of such failure;

(2) (A) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding $1,000

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