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Ok , I have had a little bit of Personal info. deletions. Names that were wrong, old phone numbers , and wrong/old address removed. Now I want to start disputing the other stuff.

The reason I found this board was because I had a medical bill that was in CA . I went into the OC and paid the bill ( two diff. accounts and I paid them both off with one check , and both acc.# are on receipt that states paid 0 bal. ) and I did that about a year after CA had had account.

Now I want to dispute this on my CR , but I want to do it right.

On my CR the CA has two TL with different amounts and account #'s and neither are the account # of the OC . The * balance due * is the collection fee on one account and the collection fee and intrest on the second account . so They are "showing" I paid something but whats left is two TL with their fees on them ! and I didn't pay them anything , I paid the OC !

How do I do this ? I have a print out of my statements and 0 bal. from OC so do I just dispute with CRA as not mine or do I do a DV to the CA ? and dispute with CRA at the same time ?

Like I said , Im new at this so im still a bit unsure and no where near confident , YET :wink: I just need some expert advice :D

CRA :twisted:

Helpfull People Here 8)

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Send them this letter



007 mud lane suite 69

Blah, CA 95110


Re: Acct No. SBC - CALIFORNIA **example company** and/or ANY OTHER /ALL ERRONIOUS ACCOUNTS YOU MAY HAVE PURCHASED OR POSSESS in the name of *insert your name*.

PLEASE SEE EXHIBIT SBC-01 Included with this document (page 3 of 3) include a copy of their notice.

To Whom It May Concern:

This letter is being sent to you in response to the notice(s) sent to us on January 31, 2005). Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (B) that your claim is disputed and validation is requested.

This is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following:

• What the money you say I owe is for;

• Explain and show me how you calculated what you say I owe;

• Provide me with copies of any papers that show I agreed to pay what you say I owe;

• Provide a verification or copy of any judgment if applicable;

• Identify the original creditor;

• Prove the Statute of Limitations has not expired on this account

• Show me that you are licensed to collect in my state

• Provide me with your license numbers and Registered Agent

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau’s (Equifax, Experian or TransUnion) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following:

• Violation of the Fair Credit Reporting Act

• Violation of the Fair Debt Collection Practices Act

• Defamation of Character

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.

Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.

If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.

It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records; any information obtained shall be used for that purpose.


Your name


Personally I wouldn't bother showing them anything other than the letter - you know you paid the debt . Their just batha fodder desperately trying to skim off the bottom of the pond scum. Put it in dispute and get the letter in the mail CMRR ASAP

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I still dispute with the CRA at the same time right ?

Yes be sure to do that. I usually wait a few days to make sure the CA gets it before the CRAs gets their letter. Why? Your DV letter by law puts them under "gag" order, so if they verify with the CRA but not with you, you got them!!!

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WEll its been a strange day.

I was all set to DV avd dispute etc. and I wanted to check and see if the account was transfered or sold to the CA , so I called the OC , and she remembered me from getting my original statements . Long story short she put her supervisor on the phone and SHE offered a pay for delete. :shock: I could of hit the floor !

I faxed my pay for delete letter ( the one I got here with a little tweaking ) and had them fax me a letter back about it. and they did . They sent a letter stating everything in my PFD letter and signed it , I got one from the OC and one from the CA . Stating any and all TL deleted etc.

I told them I will Pay by CC as soon as I had received their faxs and looked them over.

They have 10 days to do it , well see if they do ( I won't hold my breath , just in case :wink: ) but if they do yippee if they dont ....well ill be back for more advice :)

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