Drew Posted May 29, 2007 Report Share Posted May 29, 2007 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 entries2. Correction of listings & Remitment of $1,000.00, per your violation of FCRA regulationsIf 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 More sharing options...
Amerikaner83 Posted May 29, 2007 Report Share Posted May 29, 2007 Good question - I'm sort of in the same boat...eagerly awaiting a smarter / more learned member for clarification....interesting Link to comment Share on other sites More sharing options...
bigjohnstud4200 Posted May 29, 2007 Report Share Posted May 29, 2007 Am I allowed to send this type of letter based on an OC verifying incorrect information and actually stating that they're 'reporting correctly'?It looks like a pretty nice ITS. I like the two options you give them ! Let us know how this works out! Link to comment Share on other sites More sharing options...
Drew Posted May 29, 2007 Author Report Share Posted May 29, 2007 When I show 'proof' to the OC, would a photo copy of just the listing on each credit report suffice? Link to comment Share on other sites More sharing options...
Amerikaner83 Posted May 29, 2007 Report Share Posted May 29, 2007 considering it's their report to each CRA, I would say so. Link to comment Share on other sites More sharing options...
Drew Posted May 30, 2007 Author Report Share Posted May 30, 2007 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. Link to comment Share on other sites More sharing options...
Macwench Posted May 30, 2007 Report Share Posted May 30, 2007 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 Link to comment Share on other sites More sharing options...
Drew Posted May 30, 2007 Author Report Share Posted May 30, 2007 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 More sharing options...
Amerikaner83 Posted May 30, 2007 Report Share Posted May 30, 2007 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... Then you will be a "not so poor man" on a mission Link to comment Share on other sites More sharing options...
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