Jump to content

Letter to OC after verifying Incorrect Information


Drew
 Share

Recommended Posts

Am I allowed to send this type of letter based on an OC verifying incorrect information and actually stating that they're 'reporting correctly'?

Attn: FCRA Compliance Officer

This letter is being sent pursuant to a notice sent to me on May 11, 2007. Although I have been advised that the above referenced account IS reporting correctly, this is a formal complaint that you are NOT reporting accurate credit information and I have included documentation to prove that. In accordance with the FCRA, I have previously disputed these inaccuracies with the national credit bureaus, but your company maintained the position of repeatedly “verifying” incorrect information against my records. I am confident that your company is duly aware of the FCRA regulations, as it applies to ‘Data Furnishing’.

The following are the inaccuracies I have found in reviewing my credit reports:

· TransUnion, Experian and Equifax are showing different ‘Dates of Last Activity’;

· Experian and Equifax are showing different ‘Charge Off Amounts’;

· Experian and Equifax are showing different ‘Charged Off Dates’;

· Experian and Equifax are showing different ‘Number of 90 Days Late’;

Furthermore, inaccuracies like these have been detrimental to my credit profile and you are hereby put on notice for your repeated violations of § FCRA 623 (a) Duty of furnishers of information to provide accurate information.

If ‘one’ of the following occurs within 21 business days, I will consider this matter resolved:

1. Removal: All GEMB and Wal-Mart related entries

2. Correction of listings & Remitment of $1,000.00, per your violation of FCRA regulations

If your company fails to comply with this request, I will be forced to seek legal action, without prior notice.

Link to comment
Share on other sites

considering it's their report to each CRA, I would say so.

Just thought it would be weird to send anything at all in this case.

BTW, does everyone use a standard envelope to send investigation requests and other letters containing more than two pages? I find myself trying to stuff like seven pages into a small envelope and didn't know if it looks too unprofessional or something.

:dunno:

Link to comment
Share on other sites

I wouldn't worry about looking professional too much... you are "just" a consumer - not a lawyer. You may consider a manila envelope though for that many pages :)

Yea, but when I think about how much money I've wasted sending correspondence CMRRR, it's shocking. I'm a poor man on a mission.

Link to comment
Share on other sites

Yea, but when I think about how much money I've wasted sending correspondence CMRRR, it's shocking. I'm a poor man on a mission.

Well I guess that just means you want the $1000 for FCRA Violations to reload your war chest then... :p Then you will be a "not so poor man" on a mission

Link to comment
Share on other sites

Guest
This topic is now closed to further replies.
 Share

×
×
  • Create New...

Important Information

We have placed cookies on your device to help make this website better. You can adjust your cookie settings, otherwise we'll assume you're okay to continue.. For more information, please see our Privacy Policy and Terms of Use.