RJM- No dunning, refuses to validate.

[Guest BucFan]

Upon pulling my 2 in 1 report through EQ, I found two TLs from RJM ACQ. The OC listed was Wachovia.

I had 2 checking accounts with Wachovia several years back, always had my accounts in good standing, and only closed them in favor of a local bank with better hours.

So this left me scratching my head. I disputed, they verified. I called Wachovia, they said it was sold to RJM. I calle dRJM, they wanted to receive payment from until I said that, ..."these are not legit charges, I need some documentation."

Now the reps tune changed, she then said that RJM did not have documentation because they did not own those accounts, nor did they collect for them.

LAUGHABLE! She just tried to collect for them!

I have decided to write RJM but after finishing it, I began to wonder if I have the laws correct concerning this type of debt transfer.

I'll paste my letter below for verification through one of you really nice credit pro's! As always, thank you all for the service you provide.

RJM ACQUISITIONS

575 UNDERHILL BLVD SUITE 224

FRANKLIN, TN 37068

Re: Acct # XXXXXXX

Re: Acct # XXXXXXX

SS# XXX-XX-XXXX

Dear Sir or Madam,

Per both Transunion, and Experian, your company recently inserted two negative TLs on my credit report. This was done so without my knowledge being that I have never been served a dunning letter as required by law.

I disputed the Trade Lines being that they are NOT legitimate debts belonging to me and shortly after they came back “verified”. I then contacted the original creditor listed (Wachovia) but was informed that the debt was “sold to RJM” and they could not help me.

Directly following that update, I contacted your company at the number provided on the TLs to request some verification and a full investigation of these alleged debts. After all, if you owned them and “verified” them with the CRAs, you surely had proper documentation on hand. After giving your representative

The account # listed in the CR, she quickly requested payment and asked how I would be issuing that to her. Once I told her that this was NOT my debt and I needed some form of documentation, your representative informed me that RJM had no such documentation, did not own nor even handle said debts.

As you know, The FCRA requires that all tradelines be “complete and accurate”.

Exactly how can they be accurate when your office admittedly does not possess documentation of the reported debts?

Per The FCRA, as amended by FACTA, I formally request, for the second time, that your office provide to me competent evidence that I have legal obligations to the abovementioned accounts.

Please include the following information with the results of your investigation:

· Documentation of how you calculated what you claim I owe.

· Copies that show I agreed to those charges.

· A statement showing the debts incurred.

· Proof that the Statute of Limitations has not expired on this account.

If you do not respond with the results of this investigation (as is required per the FCRA) within the 30- day period, it will be assumed that you haven’t the proper documentation and are therefore negligent in providing the credit bureaus with the complete and accurate information required by law.

I also request, in writing, that your offices make no attempt to contact me via telephone at either my home or place of employment. All future communications with me must be done in writing and sent to the address noted at the bottom of this page.

Sincerely,

John Q. Public

123 Anywhere Rd.

Tampa, FL. 12345

SS# XXX-XX-XXXX

DOB 01/01/1901

[tonypilot7]

I just knocked RJM off my report with a simple DV and dispute with the CRA. they didn't respond to the validation request but came off within a week of my dispute. Build your paper trail, I have heard really nasty things about this one. (Like claiming that they are the O.C. now because they bought and own the debt.)

DV them twice, make the second one nastier than the first, and when they don't comply, hit em with BBB,AG,ACA, and any other agency that you can think of.. after that, if they are still there, they will have racked up enough violations to sue for willful non-compliance and own them!

[lovebug5]

Per both Transunion, and Experian, your company recently inserted two negative TLs on my credit report. This was done so without my knowledge being that I have never been served a dunning letter as required by law.

My biggest suggestion for you would be to rewrite the above quoted paragraph a little bit...Take out the term "dunning letter", as it isn't a term commonly used by a consumer and points directly at credit repair...Like this:

It has been brought to my attention, thanks to both TransUnion and Experian, that your company has not only inserted but began reporting on two accounts which I have no knowledge of. I have never received any type of correspondence from your company stating that I owe this debt, including the initial letter which you are required by law to send to me.

But everyone is different.

[Guest BucFan]

My biggest suggestion for you would be to rewrite the above quoted paragraph a little bit...Take out the term "dunning letter", as it isn't a term commonly used by a consumer and points directly at credit repair...Like this:

It has been brought to my attention, thanks to both TransUnion and Experian, that your company has not only inserted but began reporting on two accounts which I have no knowledge of. I have never received any type of correspondence from your company stating that I owe this debt, including the initial letter which you are required by law to send to me.

But everyone is different.

Solid advice! I actually just came home from the PO and didn't make it in time to get these off. So, I guess that worked out for the best. Now I can make that correction.

[HadEnough]

I just knocked RJM off my report with a simple DV and dispute with the CRA. they didn't respond to the validation request but came off within a week of my dispute. Build your paper trail, I have heard really nasty things about this one. (Like claiming that they are the O.C. now because they bought and own the debt.)

DV them twice, make the second one nastier than the first, and when they don't comply, hit em with BBB,AG,ACA, and any other agency that you can think of.. after that, if they are still there, they will have racked up enough violations to sue for willful non-compliance and own them!

Since courts will accept CA's 'word' that they sent a Dunning and you didn't reply, CA's have an incentive to lie and not much risk in doing so.

It's standard procedure in a corrupt industry.

It shifts the burden of proof to you plus, denies you the right to dispute.

This has been the primary problem & I've had to deal with repeatedly since

the debts I've been hit with have all been invalid or junk debts.

IMO, more people need to include BBB, AG, ACA complaints in their credit repair program. One letter against a CA may not be effective. But AG and ACA do react when enough (valid) complaints are received against a single

CA.

[lovebug5]

IMO, more people need to include BBB, AG, ACA complaints in their credit repair program. One letter against a CA may not be effective. But AG and ACA do react when enough (valid) complaints are received against a single CA.

I will second that statement. I have found, based upon personal experience, that having the BBB/AG/FTC involved in my complaints has resulted in a higher success rate. Especially considering that some of the CA's I was dealing with happened to have unsatisfactory records with these agencies, giving everyone more reason to work with me.

[HadEnough]

I wonder if it would be possible, to run an add in a local paper. Or perhaps

an internet BB along the lines of :

HAVE YOU BEEN RIPPED OFF BY THIS COMPANY?

IF SO, CALL THIS NUMBER.

Which would connect to petitions, scripted letters and info about how to

generate enough comlpaints about a dirtbag CA to get the authorities attention.

\

Or at the least, it could create a database of agreived people willing to assists with lawsuits. That alone should be enough to put a CA out of business.

I know my BBB complaints dropped one CA's BBB score.

[TTigggers]

I wonder if it would be possible, to run an add in a local paper. Or perhaps

an internet BB along the lines of :

HAVE YOU BEEN RIPPED OFF BY THIS COMPANY?

IF SO, CALL THIS NUMBER.

Which would connect to petitions, scripted letters and info about how to

generate enough comlpaints about a dirtbag CA to get the authorities attention.

\

Or at the least, it could create a database of agreived people willing to assists with lawsuits. That alone should be enough to put a CA out of business.

I know my BBB complaints dropped one CA's BBB score.

That would be a great Idea.

You could do it with a free web account and I'm sure you would get a lot of names.

The only big problem that I can see is it would be public and the CA's would have access to the names as well.

Fake Screen names or Id's could be used until it was time to file I guess.

The question is how many names would you need before you could act on it?

[HadEnough]

Each responder would access a package of data informing them how to send separate, specific complaints to the regulatory agencies, ect.

The (default) statistics clearly indicate that this situation exists to a large degree, because people are uninformed.

Another thing that might render this effective is, that the CA's clientelle would very likely jump ship. Since it's quite likely they'd get drawn in legally.

And that alone would acheive the purpose.

This procedure is almost the same as that which is used used to initiate class action suits.

I'm thinking that some kind of grassroots effort like this is the only way we'll

stop this. Our politicians certainly arn't interested.

[TTigggers]

Each responder would access a package of data informing them how to send separate, specific complaints to the regulatory agencies, ect.

The (default) statistics clearly indicate that this situation exists to a large degree, because people are uninformed.

I was for a couple of years before doing my own research.

Another thing that might render this effective is, that the CA's clientelle would very likely jump ship. Since it's quite likely they'd get drawn in legally.

Now rhat would be great

And that alone would acheive the purpose.

This procedure is almost the same as that which is used used to initiate class action suits.

How is a class action suit imitated?

I have always wondered how that worked.

I'm thinking that some kind of grassroots effort like this is the only way we'll

stop this. Our politicians certainly arn't interested.

That sure is true. If it doesn't benefit big business they could care less.

[Guest BucFan]

So... the JDB crooks, RJM "verifies" with Experian for the 2nd time now!

Once after I called for an investigation verbally, and now the second time after demanding the investigation in writing.

Where do I go from here with these despicably crooked, deceitful bastards?

Truly, I'm not looking to make a dollar in court. I just want the bullcrap removed.

Because that's what it is, BULL SH@T!

Anyway, I guess it's time to file a complaint with the BBB and send another letter... a MUCH nastier letter.

[lovebug5]

Ugh. Hate it when this happens.

I'd file a nice BBB complaint, file an AG complaint, and write this JDB a relatively forceful letter - somewhat with an ITS undertone. When I've had to go this far, I've included a copy of my BBB complaint and AG complaint with my letter to them...Outlining each and every violation that I have them on in a bullet pointed list, etc. Make sure you include documentation that you have to back yourself up. And good luck!