GwenB37 Posted April 25, 2007 Report Share Posted April 25, 2007 I sent a letter requesting verification or validation on a account that is appearing on my credit report from Aug 2000 for applied card bank . They reported this account as a name different than mine to the credit reporting agency then updated there information with the correct name after they received my letter they responded to my letter with two letters one from a collection agency offering settlement in two payments and the other a letter on there letter head stating that I must be working with a credit repair agency and it would be best for me to pay them and not a repair agency they offered settlement on the account and stated they were considering the dispute frivolous...... can they do that ? is this a violation of the fcra any info on this would be appreciated Link to comment Share on other sites More sharing options...
Recovering Attorney Posted April 25, 2007 Report Share Posted April 25, 2007 In FCRA matters it is wise to sign your correspondence and state " this is my personal, good-faith effort to resolve this matter" so they can't hit you with the frivolity or working with a repair company line. Link to comment Share on other sites More sharing options...
GwenB37 Posted April 25, 2007 Author Report Share Posted April 25, 2007 i did state not refusal to pay just need verification as to what the account was from 8-2000 and was a diffrent name than mine. I did end the letter with This is an attempt to correct your records, any information obtained shall be used for that purpose. Link to comment Share on other sites More sharing options...
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