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I swear I feel like the Godfather

I hate EXP

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" Everytime I get out they keep pulling me back in !!!!!!!"

But this time I have a bigger JDB Gun and know how to use it .

I have a new collection that just popped up over the weekend. I guess the " Law Office " Got tired of me ignoring their calls and sold it to


The bad news , I have no idea of how long it will take to get this crap off my report

The good news, It's outside of SOL. It's gone through numerous collection agancies. It was a debt that has an original charge off date back in 2001 and no payments were made. I have a lawyer that already helped me obtain money from JDB's before . I suppose i'm just waiting on the Dunning letter.

Oh well on to battle, who know's this could just be another way to get more money

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Why wait on the dunning letter ? You know who has it, you know that no one else could validate, they will be no different. The longer you wait to strike, the longer it will stay on you CR's. I'd send a DV immediately and force them to perform. If it was originally removed for the inability to verify, you might point that out to EX in an attempt to keep it from coming back later. This is the way I have successfully attacked it in the past.

To Whom It May Concern:

CA is reporting an inaccurate, incomplete and certainly unverifiable item to you and therefore it is wrong for you to report it at all. 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, FDCPA and TDCA, and delete the account listing.

The debt in question is as follows:


On January 8th 2007, CA received a demand for validation from me. Attached is a copy of that letter.

On February 21st 2007, I sent a second letter, this time certified mail, return receipt requested. Attached is a copy of that letter along with the U.S. Post Office return receipt showing they did indeed receive the request. Again, as of today, March 22, 2007, 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 on 03/06/2007. It is quite evident that no such proof of this alleged debt exists or they would have provided it in the previous 3 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.

Also the Texas Debit Collection Act Sec.392.202 is quite specific on how Collection Agencies that don’t respond to a request for validation are to be handled by Credit Reporting Agencies.

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.


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