shadokeeper Posted April 4, 2008 Report Share Posted April 4, 2008 Re: Acct # XXXXXXXXX Dear Sir or Madam, I recently pulled my credit report for the first time. It says I had an account with you, but I have no knowledge of this account. I immediately disputed this information with Experian, and Equifax; the results of the investigation came back verified. Since I have disputed this account with the credit bureaus and you verified it, I am very curious as to what kinds of "records" you may have for this alleged account. According to the new FACTA laws, you are required to conduct an investigation on this account, and I demanding said investigation at this time. Your company is reporting on my Credit Report and there for you are required to prove to me that this debt is in deed mine. In order to clear up this matter, I want to see, all documentation related to this account to prove I indeed am the owner of this account. If you don't respond with the results of the investigation (as is required per the FCRA), I will assume you have no documentation and therefore you were negligent in providing the credit bureaus with accurate information. If you cannot or will not verify the account to me yet continue to report the trade line and "verify" to the fore mentioned credit bureaus than you are in violation of the FCRA – you must remove the entry. At this point, you would also be in violation of the FCRA merely for not responding within the 30-day period. I request that you delete any and all information regarding this account from my Credit Reports, at fore mentioned Credit Reporting Agencies. All my business dealings are handled by USPS, all calls to my Home are recorded and calls to my employer are prohibited. Respectfully,MEME Link to comment Share on other sites More sharing options...
NASCAR_Devil Posted April 5, 2008 Report Share Posted April 5, 2008 Re: Acct # XXXXXXXXXDear Sir or Madam,I recently pulled my credit report for the first time. It says I had an account with you, but I have no knowledge of this account. I immediately disputed this information with Experian, and Equifax; the results of the investigation came back verified.Since I have disputed this account with the credit bureaus and you verified it, I am very curious as to what kinds of "records" you may have for this alleged account. According to the new FACTA laws, you are required to conduct an investigation on this account, and I demanding said investigation at this time. Your company is reporting on my Credit Report and there for you are required to prove to me that this debt is in deed mine. In order to clear up this matter, I want to see, all documentation related to this account to prove I indeed am the owner of this account. If you don't respond with the results of the investigation (as is required per the FCRA), I will assume you have no documentation and therefore you were negligent in providing the credit bureaus with accurate information. If you cannot or will not verify the account to me yet continue to report the trade line and "verify" to the fore mentioned credit bureaus than you are in violation of the FCRA – you must remove the entry. At this point, you would also be in violation of the FCRA merely for not responding within the 30-day period. I request that you delete any and all information regarding this account from my Credit Reports, at fore mentioned Credit Reporting Agencies. All my business dealings are handled by USPS, all calls to my Home are recorded and calls to my employer are prohibited.Respectfully,MEMEIs this account the result of ID theft? Is it yours? What is your end goal? Not sure about the limited C&D you have added. Not sure if an OC would have to abide by it. Link to comment Share on other sites More sharing options...
shadokeeper Posted April 12, 2008 Author Report Share Posted April 12, 2008 I am sending the letter because Arrow will not validate the account they say they bought from FP. I PIF this account back in early 2005. Now arrow is trying to say i owe. If arrow will not Valitate, then i want the data furnisher to investigate and send me any information regarding that account... Am I correct in assuming this is well with in my rights. Please advise Link to comment Share on other sites More sharing options...
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