Amerikaner83 Posted July 25, 2007 Report Share Posted July 25, 2007 I have a paid collection on my EX report that has been there form October of 2003. I have disputed several times from 2004 until now, but it has always been verified. Now that I'm actually getting into credit repair, I sent this company a letter June 9 telling them it wasn't mine, please remove, blah blah blah. I also told them they had 15 business days to respond. They have not. It is still on my EX CR, not showing as disputed.here's the ITS I'm going to send them - thought I'd run it by CIC first. It's a bit long, but I appreciate any and all feedback.Amerikaner83Re: Acct # XXXXXXTo Whom It May Concern:This is my second attempt at communication with you regarding an alleged account that I am supposedly responsible for being placed and continually being updated on my credit reports. I sent your company a dispute about this alleged account over a month ago but have received no response. I realize that a company such as yours, who probably receives hundreds of letters per day, may have lost track of my letter. As a convenience to you, I have enclosed a copy of my original communication, dated June 9, 2007. I ask you to immediately comply with my requests as outlined in my original communication to you.This alleged account is still on my credit reports, regardless of the fact that your company has done NOTHING to validate the information you are reporting to the credit bureaus. In addition, this alleged account is not being listed as “disputed by customer” as is required by the FDCPA, which is punishable by a $1,000.00 penalty. In addition, your company is violating the FCRA’s requirement for accurate reporting of information. I’m sure you know that violating the FCRA is also punishable by a $1,000.00 penalty PER VIOLATION. To date, I have disputed this account twice with Experian, and your company has twice “verified” this alleged account, so these two violations are another $2,000.00 penalty that I may decide to take action upon. What confuses me is that I spoke to several people at your company and no one was able to find any information on me. How can you verify information on an account with a 3rd party, when the person to whom this account belongs to has been told by several representatives of your company that you have no information?I have disputed this listing one final time with Experian, on July 15 of this year. If this account comes back as verified one more time, I will consult my legal counsel for suit against your company for the above-mentioned FDCPA and FCRA violations, as well as the FDCPA violation arising out of “verifying” this alleged account in my most recent dispute I placed with Experian. I am also in the process of complaining to the Oregon and Washington State Attorneys General, the Federal Trade Commission, and the Better Business Bureau about your illegal, malicious and damaging actions listed above.As of today your company has not placed this alleged account on my Equifax or TransUnion credit reports, but be assured I monitor my reports daily and will not hesitate to sue you for all applicable FCRA and FDCPA violations brought about by your reporting this alleged account to any other bureau. If I chose today to litigate, your company would be liable for $3,000.00 in your blatant violations of the FCRA and FDCPA. I am giving your company one final chance to avoid costly litigation and destroy any and all references to this alleged account from my file and send me confirmation of such. In addition, I will accept nothing less than full and complete deletion of this alleged account from any credit reporting bureau your company has reported this alleged debt to, including but not limited to Experian, Equifax, TransUnion, and Innovis. I require a copy of such deletion request to be sent to me immediately, as well.If this matter has not been resolved as outlined above by 10 business days from your receipt of this letter, your next communication from me will be a Federal Lawsuit. Sincerely and Respectfully – Amerikaner83 Link to comment Share on other sites More sharing options...
hopelesscred Posted July 26, 2007 Report Share Posted July 26, 2007 have u done the BBB, FTC and AG merry go round? I would go ahead and file complaints with all three.Personally I would not educate them on the "not showing as disputed" violation, let them find out in court should it get there. Link to comment Share on other sites More sharing options...
Amerikaner83 Posted July 26, 2007 Author Report Share Posted July 26, 2007 I haven't done that yet...but I will.The thing is, I really don't want to go to court on this, and i doubt they do too. For Crying out loud - it's from 2003! I just want it off, y'know? Seeing as how I've never had an account with the alleged OC, and i certainly never paid 2 grand on something i didn't know about! So I should not tell them what their violations are, but tell them the amount? I want to kind of scare them into deletion - y'know? Link to comment Share on other sites More sharing options...
hopelesscred Posted July 26, 2007 Report Share Posted July 26, 2007 hold off on the ITS for now...file complaints with the BBB, AG and FTC...get emails of the higher ups and email away....Then Send the ITS with copies of all of the above, be sure to add specific statutes from the FCRA. That is how I got Midland to delete....Also get more "frustrated" on each letter. Link to comment Share on other sites More sharing options...
Amerikaner83 Posted July 26, 2007 Author Report Share Posted July 26, 2007 File complaints then wait? how long? Link to comment Share on other sites More sharing options...
hopelesscred Posted July 26, 2007 Report Share Posted July 26, 2007 no more than a week Link to comment Share on other sites More sharing options...
Amerikaner83 Posted July 26, 2007 Author Report Share Posted July 26, 2007 OK - i'm only patient enough to wait a week anyhow. I sent a BBB complaint to Arrow last week - Arrow said they would deal with me directly. Here's hoping for the deletion letter. Link to comment Share on other sites More sharing options...
bigjohnstud4200 Posted July 26, 2007 Report Share Posted July 26, 2007 I agree with hopeless. Regardless of if you are actually going to file a suit or your bluffing, you NEED A CASE that encourages them to back down. I bet they get 100 letters of ITS a month, but most people are bs'ing. I file compliants with the FTC first, wait a week, then file with the AG (if they have online disputes) then I file with the BBB. I then send a copy of the BBB complaint to them with an ITS along with the draft copies of the first couple of pages of a my complaint. In your complaint, they will get enough info to know if it's worth them defending if you're only asking for a delete. Of course, dispute with the CRA'S again now, you'll either get a "verified" or a " we have already verified" response. Either way, you can use it as fuel in your fire against them in your suit. Link to comment Share on other sites More sharing options...
Amerikaner83 Posted July 26, 2007 Author Report Share Posted July 26, 2007 I've already got one "we already verified" response, and i can get others by going online to EX and attempting an online dispute. Link to comment Share on other sites More sharing options...
Amerikaner83 Posted July 26, 2007 Author Report Share Posted July 26, 2007 OK - BBB complaint sent. Link to comment Share on other sites More sharing options...
sje123 Posted July 26, 2007 Report Share Posted July 26, 2007 send a letter to them as well. Link to comment Share on other sites More sharing options...
Amerikaner83 Posted August 22, 2007 Author Report Share Posted August 22, 2007 To un-dust this thread a little:Got the BBB response by e-mail...they did not respond to the BBB. I'm going to send the ITS as outlined above, including the mention of lack of BBB response in a few days. See what that, in addition to an FTC complaint does.EDIT: I'll do the FTC complaint first, then in about a week I'll do the AG thing for both states. Then I'll do the ITS if it's still there on my account....with the first few pages of the summons copied and sent to them *for their convenience* Link to comment Share on other sites More sharing options...
bigjohnstud4200 Posted August 22, 2007 Report Share Posted August 22, 2007 To un-dust this thread a little:Got the BBB response by e-mail...they did not respond to the BBB. I'm going to send the ITS as outlined above, including the mention of lack of BBB response in a few days. See what that, in addition to an FTC complaint does.EDIT: I'll do the FTC complaint first, then in about a week I'll do the AG thing for both states. Then I'll do the ITS if it's still there on my account....with the first few pages of the summons copied and sent to them *for their convenience*That's my thought. If they don't show an effort to work out a dispute when complaints come from the BBB it shows how stubborn they are. Link to comment Share on other sites More sharing options...
Nascar3 Posted August 23, 2007 Report Share Posted August 23, 2007 Keep us posted. I have a similar situation going on. Link to comment Share on other sites More sharing options...
Amerikaner83 Posted August 23, 2007 Author Report Share Posted August 23, 2007 Bigjohn - nice to see youre thinking along the same lines I am.Nascar3 - i will. Good luck with your situation as well - we're all here to learn from each other. Link to comment Share on other sites More sharing options...
Amerikaner83 Posted September 20, 2007 Author Report Share Posted September 20, 2007 OK - Got tired of their crap, so I went on the offensive:--FTC complaint sent 3 weeks ago - nothin'.--Oregon state AG compaint filled out and sent TODAY--Washington State AG complaint filled out and sent TODAY Both AG complaints were done online.Ball in their court...once again Link to comment Share on other sites More sharing options...
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