Critique a letter for me?

[Kodiak570]

So basically my situation is this. DVed TU for an NCO account. TU validated it. NCO sends me a letter saying they can't verify with the info provided. Already sent Method of Verification letter to TU.

Send TU NCO's letter stating they can't validate and redispute?

Send the rep who signed my letter the following letter?

Should I wait til their (NCO) 30 +5 days are up then send letter?

01/25/04

THEM

RE: Account # 6XXXXX0

Dear Ms. WROTE MY LETTER:

Again, I am formally requesting that you validate all tradeline notations that you have submitted to the three major credit reporting agencies by THEM. for me, ME, for account number 6XXXXX0, and 5XXXXXX.

I am receipt of your correspondence postmarked January 20. You say you don’t have enough information to assist me, yet you continue to try and collect this debt, and you are reporting this information on all three major reporting bureaus. If you do not cease reporting of the incorrect information, I will be forced to take further action. Please be advised that your blatant disregard and violations of the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and my rights as a consumer have caused harm to me by seriously affecting my otherwise unblemished credit rating, causing the denial of credit, as well as causing me to be charged higher interest rates and unfavorable loan terms.

Note that the FTC has maintained that incorrect credit reporting is the legal equivalent of prohibited collection activity. I assume that you cannot validate this debt, therefore I am demanding that you cease any and all collection efforts associated with the above referenced accounts. You chose by doing business as a collection agency to maintain the highest possible records of accuracy and to maintain and collect valid debts.

I’m sure you are aware of the consequences in violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act as well as the multiple violations your company is now responsible for.

Rest is "son of nutcase letter" FDCPA this FCRA that......Should I throw something in about their recent FCC violations too?? Too much too soon?

[willingtocope]

As long as NCO's letter said "we cannot validate" as opposed to "we have asked OC for documentation", then I'd say you've pretty much covered it. I'd suggest you send the letter just as it is...no need to add the "nutcase" portions.

Looks good to me!

[J_Snow]

I wouldnt use 'assume' I would say something more definitive 'you cannot validate this debt'

[Kodiak570]

The letter states:

"Thank you for you recent communication. I can assure you that we are committed to assisting you, however, we have been unable to locate the matter you have referenced from them information we have been provided. Please provide us with further indentifying information such as your SS#, name of OC, creditor's acct # and or reference number and the billing address of the account. A copy of any correspondance you may have received from us would also be of assistance. Kindly contact me at the above address with this information."

Signed by her

"This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a communication from a debt collector"

So if I understand, they want ME to validate it for them. Not going to happen. Going to send out the letter tomorrow.

[Kodiak570]

The letter states:

"Thank you for you recent communication. I can assure you that we are committed to assisting you, however, we have been unable to locate the matter you have referenced from them information we have been provided. Please provide us with further indentifying information such as your SS#, name of OC, creditor's acct # and or reference number and the billing address of the account. A copy of any correspondance you may have received from us would also be of assistance. Kindly contact me at the above address with this information."

Signed by her

"This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a communication from a debt collector"

So if I understand, they want ME to validate it for them. Not going to happen. Going to send out the letter tomorrow.

[J_Snow]

Nope you dont have to provide any more information than what they provided the CRA.

They can go pound sand... Do not send them anything more and DO NOT sign your letter... There have been cases where nasty CAs lift sigs and forge documents.