Trying to tackle old paid collections verified w/CRA's

[MadinKS]

I read through the sticky for paid collections and have worn out all disputes w/CRA's. In an attempt to get them removed I intend to send a dispute letter and wondered if anyone has had luck w/deletion or a better way to get them to delete. Here is the letter I drafted. Can anyone give me some feedback? Thanks.

Diversified Adj. Services

600 Coon Rapids Blvd

Coon Rapids, MN 55433

April 6, 2007

Re: Account: xxxxxxxxx

To Whom It May Concern:

In accordance with the FDCPA and FCRA, I hereby dispute the validity of the above referenced alleged debt. I contend that I never had any dealings with AT&T and, until you prove otherwise, you are furnishing false information to the credit bureaus. This is an actionable offense and I am considering consultation with my legal counsel to resolve this through lawsuit.

You will need to provide me with the following information to validate the alleged debt is in fact mine:

1) Any original signed agreement bearing my signature and date.

2) A complete itemized accounting of all transactions for the account including all debits and credits to the account for the entire history of the account.

3) A copy of the assignment or purchase agreement for the debt between AT&T and your company.

4) An itemized accounting of all transactions on the account after it was written off by AT&T including all debits and credits.

Additionally, I hereby invoke my right to limit your correspondence with me to written communication only. Do not call my home, my friends and relatives, or place of employment.

I look forward to your response and getting this matter resolved quickly.

MadinKS

Address

[hiblues]

Just read the primer...

http://www.debt-consolidation-credit-repair-service.com/forums/showthread.php?t=263069

I would say your letter sounds good BUT, you have to dispute it with the CRAs

right after they receive the letter.... so you can get them on violations.

You said you paid it right?... I think they would want to give a reason as to why you paid it if indeed it is not your debt...

also, if it is truly not your debt, why not sue?

Maybe a more creative reason to dispute is in order? Was it the right amount? Did they do everything they said they would? Did you have expectations of better service?...or maybe "Upon further investigation, I realized that this was not my debt, when a collection came in the mail, I had a panic attack and paid the bill in error"... .the reasons goes on and on....

[MadinKS]

You said you paid it right?... I think they would want to give a reason as to why you paid it if indeed it is not your debt

The debt above is truly not mine and I have never paid DIV ADJ. anything, it just shows up as a paid collection. I've disputed w/CRA several times and it comes back verified every time. AT&T isn't even on my reports. So, where are they getting their info?

The others (2 CA's) I paid prior to finding this site because I have a security clearance investigation in May and can't have any open collections, etc. So, I paid them off with the intent to fight them later. Sucks I know, but I panicked when I found out about the investigation. I will change the letters for the situation but I am getting really aggravated with these a$$ clowns and I want them to show me the proof that it's mine even though it's paid.

[retmar]

If you never had any contact with the CA, add the wording to your letter stating you found their TL when you pulled your annual CR, or however you found it. Then go on to say you disputed with the CRA's and it came back verified. Thus, how can it be verified if you do not know about their claim, plus, the fact you never dealt with their client. Then go on with what you want them to prove to you. Do not fall for their asking they need your SS # or other personal info as they had access to your CR, they have the info.

Give them 10 days from receipt of your letter to either prove their claim, or they must postmark a letter that they have closed, deleted TL, and gone away. Use the date received on your green card to start time.

Lastly, if they try to use the FDCPA 809( to ignore you, respond with FDCPA 807(8).

[MadinKS]

Here is the latest. What do you think?

Diversified Adj. Services

600 Coon Rapids Blvd

Coon Rapids, MN 55433

April 6, 2007

Re: Account: xxxxxxxx

To Whom It May Concern:

After receiving my free annual credit reports, I discovered a collection account you are reporting that alleges I had an account with AT&T. In accordance with the FDCPA and FCRA, I hereby dispute the validity of the above referenced alleged debt. I contend that I never had any dealings with Diversified Adjustment Services or AT&T and, until you prove otherwise, you are furnishing false information to the credit bureaus. This is an actionable offense and I am considering consultation with my legal counsel to resolve this through lawsuit.

I require you to provide me with the following information to validate the alleged debt is in fact mine:

1) Any original signed agreement bearing my signature and date.

2) A complete itemized accounting of all transactions for the account including all debits and credits to the account for the entire history of the account.

3) A copy of the assignment or purchase agreement for the debt between AT&T and your company.

4) An itemized accounting of all transactions on the account after it was written off by AT&T including all debits and credits.

Additionally, I hereby invoke my right to limit your correspondence with me to written communication only. Do not call my home, my friends and relatives, or place of employment. You will be given 10 days from the receipt of this letter to either provide the information I requested or written notice that you have deleted all references to this alleged account from all major credit bureaus to include, but not limited to, Experian, Equifax, and TransUnion.

Lastly, I want you to understand that I feel this is worth reporting to both Attorney Generals involved and I have sent complaints to both of them.

I look forward to your response and the resolution of this matter as quickly as possible.

MadinKS

CC: Kansas State Attorney General

Minnesota State Attorney General

[MadinKS]

Any feedback? Anyone. Anyone? Bueller.

[retmar]

Overall, OK!

On #1, include it must be on OC's own letterhead as their computer generated "letter" does not meet the minimum.

Scratch #2 as you most likely won't get it anyway. And, it is a little overboard. Now, if they claim you made payments at a later time, then demand proof of payments from you.

[MadinKS]

Thanks. I'll fix and send. I appreciate the help. Until next time.

[determination]

Ok I had a sprint bill that was sent back to sprint for Diversified. I just sent an email to the CEO letting him know they were reporting false information on my credit report and I received a letter back within 7 days stating it would be deleted from all of the big 3. Fowarded this to Sprint and poof it was gone! I found the ceo email on their website.

[MadinKS]

Do you have the link to their site or the email address? Save some time ya know.

[MadinKS]

Disregard. I just fired off a nice little email to the CEO. We'll see what happens. I'll keep you updated. Out.

[retmar]

Go for it!

Remember, you alwasy have the letter for backup.

[MadinKS]

Already got a response from the CEO at Div. Adj. says she is sending it to the Vice-president of Collections for investigation. It's a start. Crossing my fingers I don't need the letter. Keep ya posted.