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Have you had First Premier removed?


Fairy Enchantress
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What was your angle?

Sent DVL's not timely, obviously they didn't respond and don't have to.

So I was about to send them a letter § 623. (a)(8) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER-

But the sample letter gives a example with late payments. My CRA Reports don't show any lates. Just a charge off. So I don't know exactly how to word my first paragraph now.:?

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I've had no luck at all with First Premier. I had two cards with them years ago, and they are both paid collections. I paid them both off at the start of my credt repair a few years ago before I knew all the options I had. No matter who I write to or call, they will not budge. Both were paid off in full, but they will not budge on removal as a GW. They both show now as closed (paid) and charged off/collection on TU and EX, and derog on EQ. They suck.

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They responded to me by saying they weren't obligated to respond...

After four letters, some back and forth with EX, It finally aged off. I was ready to sue because they wouldn't provide info under 623. With them gone, I'm running our of things to fix. I got Chase that should age off any day now.

I guess I'll be like Fizzle and haggle with them over address formatting and other misc information for something to do. :)

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They responded to me by saying they weren't obligated to respond...

After four letters, some back and forth with EX, It finally aged off. I was ready to sue because they wouldn't provide info under 623. With them gone, I'm running our of things to fix. I got Chase that should age off any day now.

I guess I'll be like Fizzle and haggle with them over address formatting and other misc information for something to do. :)

Hmmm maybe that will be the first sentence to them.:lol:

If you are going to trying and tell me you aren't obligated to respond, guess what YOU ARE. :lol:

It seems you are doing fantastic Freak. Good job! :p

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OP have you sent out your 623 letters to FP yet? I sent one out in march and have heard not from them. (i think i worded the first letter poorly lol) I reworked the letter and will send again soon...

I sent three of them....same response each time. I believe there are others that received the same response verbatim.

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I sent three of them....same response each time. I believe there are others that received the same response verbatim.

This is the response i received well i altered it for my obvious reasons

Bank

April xx, 2008

Dear Mr. Me:

This letter is in response to the request for validation of your credit card account number xxxxxxxxxx.

Our records indicate the application we received for this account was in the name of Guess who with a social security number that was verified to belong to you. The account has been used for purchases: therefore you are bound to the debt.

The Fair Debt Collection Practices Act (FDCPA) that you referenced provides that if a consumer notifies a debt collector in writing within thirty (30) days after receipt of an initial notice from the debt collector that the debt is disputed, the debt collector must obtain verification of the debt and mail a copy to the consumer. Bank Bankcard Inc. is not a debt collector as that term is defined under the FDCPA. Bank Bankcard Inc. is the creditor: therefore we are not obligated to comply with the debt verification requirements of the FDCPA.

Please refer to the Credit Card Contract that was mailed with your credit card for the specific terms and conditions of your account. If you disagree with how your account is being reported to the credit bureau(s), you must complete a consumer dispute verification form at your local credit bureau office, We are unable to change information that has been reported correctly to the credit bureaus.

If you have any further questions, please call our Collections Department at xxxxx. Our hours are 7 :00 a.m. to 10:00 p.m. CST Monday through Wednesday. 7:00 a.m. to 9:00 p.m. CST Thursday, 7:00 a.m. to 7:30 p.m. CST Friday through Saturday. and 10:30 a.m. to 10:00 p.m. CST Sunday.

Sincerely,

Customer Service Department XXXXXX Bank.

First off I never asked them to validate I demanded that they Investigate under § 623. (a)(8) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER. This is the response i received from them. I think I need to send them another letter and include the first letter and point out that i never mentioned the FDCPA any where in the letter. Reiterate the fact that I stated I was demanding an investigation not validation and I am not demanding this under FDCPA but in fact I am demanding an investigation under the FCRA section 623 and that they are bound by the Law to investigate this matter, and report to me the findings and if they do not I will file suit for violations of the FCRA. Please advise.

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OK this is a letter I wrote today in response to the letter i received got FP Please review and advise.

XXXXXXXXX

XXXXXXXX

XXXXXXXXX

April 22, 2008

XXXXXXXXXXXX

XXXXXXXXXXXX

XXXXXXXXXXXX

CERTIFIED MAIL:

Re: Acct #:

Dear Sir or Madam,

This letter is response to a letter I received from you regarding an investigation into an alleged account, I demanded on XXXX.

I received a letter from you on XXX and I found it very disheartening and unprofessional. On xxxx008 I sent you a letter demanding an investigation into an account that you say I have with you and the inaccurate information you are reporting to the Credit Bueros. You responded saying “This letter is in response to the request for validation of your credit card account number xxxxxxxx.” I never requested that you validate this account, I demanded that you investigate this account and the information your Company is reporting to the Credit Bureaus According to the Far (FACRA) laws: (§ 623. (a)(8) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER). In your response you also stated that you are not the Collection Agency and there by not required to validate under the FDCPA. No where in my original letter did I request you to “validate” the alleged account information, in addition no where in my original letter did I mention the FDCPA.

Case law has established for the past few years that the Original Creditor can be held liable for reporting inaccurate information (Richardson vs. Fleet, Nelson vs. Chase Manhattan ), the FACTA legislation passed recently allows the consumer to go directly to the original creditor and dispute information which the original creditor in the FCRA, has supplied to the credit bureaus

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 and that the information is being reported accurately. If you don't respond with the results of the investigation (as is required per the FCRA § 623. (B) Duties of furnishers of information upon notice of dispute), 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. To avoid a lawsuit, I request that you remove any and all information regarding this account from my Credit Reports, at fore mentioned Credit Reporting Agencies.

I will seek legal action under § FCRA 623 (B) for violations of the FCRA if you do not comply and respond to me with the results of the investigation in 30 days.

Respectfully,

XXXXX

XXXXXXXXX

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Yes I had a First Premier Account removed from all 3 of my credit reports. It took several months of back and forth DVs with First Premier and the CRAs. However, my First Premier account was only for a couple hundred bucks, which is probably why First Premier eventually stopped fighting the DV requests.

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This is only a couple hundred also

If the account is for a few hundred bucks, just DV the VP and GC of First Premier and remain steadfast. I'm not sure what you're asking for in your DVs to the OCs but I take a slightly different approach to OC DVs than most of the experts here.

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If the account is for a few hundred bucks, just DV the VP and GC of First Premier and remain steadfast. I'm not sure what you're asking for in your DVs to the OCs but I take a slightly different approach to OC DVs than most of the experts here.

Who is the VP? and what is a GC?

I think I sent mine to the CEO.

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