StealthInvader – The Vegas Movement

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LETTER

INCORRECT ADDRESS & NAME DISPUTE

UNAUTHORIZED INQUIRY DISPUTE - LETTER A

UNAUTHORIZED INQUIRY DISPUTE LETTER

ROUND 2 INQUIRY DISPUTE

I have sent many prior requests to your company to reinvestigate several inquiries that I believe to be incorrect on my credit report. Aren’t you required to complete these investigations within 30 days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I will once again list the inquiries in need of investigation: 
[ Insert Inquiry List and Date of Inquiry ]

I have tried to contact every one of the companies listed and most of them do not even have any record of me. How can they have a permissible business purpose to pull my credit if they don’t even know who I am?

Please do as you are governed under the Fair Credit Reporting Act and do a complete investigation on the listed inquiries. Provide me with the results of your investigation within 30 days of receipt of this letter. I am sending this letter certified mail, return receipt requested so 
that I will have documented confirmation of delivery.

REQUEST FOR VERIFICATION

REQUEST VERIFICATION WHEN NO ANSWER FROM CA

I desperately need some help resolving the situation at hand!! I reviewed my credit report and noticed an incorrect entry being listed in the collections section. I mailed a letter asking for the collections to validate the alleged debt against me reporting on the accounts noted, see letter enclosed. I have not yet received sufficient evidence proving that the debt in question is mine. They did send me a paper showing the balance but that’s all. I have absolutely no record of a debt with this company in the amount!

I have tried to have this validated by the collection agency, to no avail. So, I am requesting that you please verify that the information reporting on this account is in fact correct. Also, please send me the procedures that you take in order to verify. I want to know who you contacted in order to verify and their address and phone number.

Since, the company is unable to provide me sufficient proof that I am legally obligated to pay this alleged debt, I am requesting that you delete it from my credit report. Please send me 
confirmation of said deletion.

REQUEST VERIFICATION OF A JUDGMENT

INACCURATE INFORMATION DISPUTE - LETTER A

INACCURATE INFORMATION DISPUTE - LETTER B

INACCURATE INFORMATION DISPUTE - LETTER C

REQUESTING THE REMOVAL OF INACCURATE INFORMATION

INCOMPLETE REPORTING OF CREDIT ITEM - EXAMPLE 1

INCOMPLETE REPORTING OF CREDIT ITEM - EXAMPLE 2

INCOMPLETE REPORTING OF CREDIT ITEM - EXAMPLE 3

INCOMPLETE REPORTING OF CREDIT ITEM - EXAMPLE 4

INCOMPLETE REPORTING OF CREDIT ITEM - EXAMPLE 5

INCORRECT BALANCE DISPUTE 1

INCORRECT BALANCE DISPUTE 2

INCORRECT BALANCE DISPUTE 3

INCORRECT CREDIT LIMIT DISPUTE

CREDIT LIMIT ON COLLECTIONS DISPUTE 1

CREDIT LIMIT ON COLLECTIONS DISPUTE 2

DELINQUENCY/PAST-DUE AMOUNTS AFTER CLOSED OR CHARGE-OFF

UNDATED LATE-PAYS ON DEROGATORY ACCOUNTS 1

UNDATED LATE-PAYS ON DEROGATORY ACCOUNTS 2

INCORRECT ACCOUNT TYPE

DATE OF LAST ACTIVITY DISPUTE

DATE UPDATED/VERIFIED (DU) DISCREPANCY DISPUTE

ITEM NOT INCLUDED IN BANKRUPTCY

INCORRECT BALANCE ON AN ITEM INCLUDED IN BANKRUPTCY

DATE OF LAST ACTIVITY (DOLA) FOR ITEM INCLUDED IN BANKRUPTCY

DOLA FOLLOW-UP TO VERIFICATION

REQUEST TO REMOVE OLD ACCT INFORMATION

ROUND 2 DISPUTE INACCURATE INFORMATION

Let this letter serve as formal notice that you have failed to respond to my dispute letter, sent on [insert date] registered mail. I have enclosed a copy of the return receipt which is dated [insert date from return receipt] for your review.

As you can see, I am keeping careful records in regards to this matter. It has been well over the 30 days allowed by federal law for you to respond. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could result in an investigation by the FTC.

Perhaps this is just an oversight or result of high volume of the requests you receive daily. I highly doubt an agency that is responsible of maintain accurate information would neglect to follow the laws that govern them on purpose. So I will extend you the benefit of the doubt. I’m sure you’ll want to tend to my request as soon as possible.

To help you out I have included a copy of my original request, the dated receipt of  when you got it, and a copy of the proof verifying the mistakes you have mistakenly placed on my records.

ROUND 2 DISPUTE-NO RESPONSE TO FIRST DISPUTE

ROUND 2 DEMAND TO COMPLY WITH INVESTIGATION

ROUND 2 DISPUTE AFTER VERIFICATION

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute.

Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine – though your company claims to have “verified” this.

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me.

As in Cushman v TransUnion, Stevenson v. TRW (Experian), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely "parrot" information from the creditors and collection agencies...that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable.

As I’m sure you are aware, each violation of the Fair Credit Reporting Act allows damages of $1000 should this matter end up in court. If you fail to initiate an investigation regarding my dispute I will to take legal action to protect my credit rating and myself. I will fully exercise my right under the Fair Credit Reporting Act. Kindly comply.

ROUND 2 DISPUTE WHEN NO VERIFICATION FROM CREDITOR

This letter is a request for you to delete account# [ Insert Account# ] with [ Insert Creditor]. I sent you a letter on [ Insert Date ] asking for you to investigate the information reporting on this account and I received a response form you dated [ Insert Date ] stating that the account was 
verified and there would be no change.

After receiving that response, I sent a letter to [ Insert Creditor ] dated [ Insert date ] asking for them to verify the information. I received no response.

I again sent a letter to [ Insert Creditor ] dated [ Insert Date ] asking for verification and again…I received no response.  I have exhausted all of my options to resolve this matter and I am now demanding that the account be deleted from my credit report due to being invalid and unverifiable. If no proof of debt exists and there is no verifiable information, then the information ay not be reported to the credit bureaus nor reported by them under the Fair Credit Reporting Act.

Obviously, this incorrect account information cannot be verified so therefore is absolutely must be deleted from my credit report or you will be in violation of the FCRA.

I have included all copies of the requests for verification to [ Insert Creditor ] as proof. Please end me an updated credit report as soon as you have made the necessary deletions.

REQUEST REMOVAL AFTER NO RESPONSE FROM CA

ROUND 3 LETTER THREATENING INTENT TO SUE

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company . I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions.

As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves.

I take my credit very serious and your lack of professionalism and assistance disgusts me. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. I am anticipating your immediate response.

REQUEST FOR INVESTIGATION PROCEDURES - LETTER A

I am sending this letter in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection (iii) 
"§ 611. Procedure in case of disputed accuracy [15 U.S.C. § 1681i](6) 
(B) Contents. As part of, or in addition to, the notice under subparagraph (A), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph (A) 
(i) a statement that the reinvestigation is completed; 
(ii) a consumer report that is based upon the consumer's file as that file is revised as a result of the reinvestigation; 
(iii) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available;"

My letter is a formal request for the details of the procedures used to determine the accuracy and completeness of the information in dispute. This request includes name, address, and elephone number of any furnisher of information contacted in regards to this investigation.

I would like to remind you that you have 15 days to comply with the law by providing the requested information.  Since you have failed to provide the required documentation previously, As a gesture of good faith and professionalism I feel you should expedite my request to correct my credit report. Please see below:

REQUEST FOR INVESTIGATION PROCEDURES - LETTER B

REQUEST FOR INVESTIGATION PROCEDURES - LETTER C

REQUEST FOR INVESTIGATION PROCEDURES - LETTER D

I am writing to you to formally request a copy of the procedure your company followed in order to ensure that the information reporting for account # [ Insert account # ] is completely accurate. I find it hard to believe that you did a full investigation as to t he accuracy of this account due to the fact that you continue to report the wrong information. It is scary to think that you did not do as you are governed by the Fair Credit Reporting Act and that other consumers might be affected, as well. Having this type of information on a person’s credit report is unfortunate and severely damaging, but having incorrect damaging information on a person’s credit report is unacceptable.

Please forwad to me the name of the person you spoke with at [ Insert Creditor ] and the date that you spoke with them. I also want a confirmation of the address and phone number for this company.

As I have said, this account is incorrect and should be deleted completely. Please send me an updated credit report along woth the investigation procedures. FYI, I DO NOT want a generalized response stating what you typically do in an investigation…..I want details specifically relating to 
these accounts. Thank you.

Once again the disputed information is as follows:

REQUEST FOR INVESTIGATION PROCEDURES - LETTER E

I am formally notifying your company that if the appropriate steps to rectify this situation are not completed within 10 (TEN) days, I will be filing a complaint to the FTC about your company.  I received your response to my request for reinvestigation dated [ Insert Date ]. Once I received that mailing I sent out a request on [ Insert Date ] for you to mail me a detailed description of the teps your company took to verify the disputed information. I have yet to receive that description.
 
You are required by law to respond to me within 15 (FIFTEEN) days. By not doing so, you are now in violation. Just a warning, this is leading you into dangerous territory. Non-compliance of federal law can be subject of fines up to $1000.

I am hoping that once you receive this letter and are made aware of your mistake, you will immediately comply with my request. I am not a mean person and do not want to file a complaint against you, but I have to do what is necessary to ensure maximum compliance.

As I stated before, I will be forced to file a complaint with the Federal Trade Commission if you continue to not cooperate. Please send me the documents I am requesting within 10 (TEN) days to avoid my filing of a complaint.

Please send me the detailed procedures taken when obtaining the investigation results for:

REQUEST FOR INVESTIGATION PROCEDURES - LETTER F

This is my second request for details of the procedure you followed when investigating account number [ Insert Account# ] with [ Insert Creditor ]. I sent you a request for this information on [Insert Date ] and have received no response.  Per the Fair Credit Reporting Act, a consumer may request a description of the procedure used to determine the accuracy and completeness of disputed information. It also states that the credit bureau shall provide a description of such investigations within 15 days of the consumer’s request. It has been well over 15 days which means that you are in violation of the FCRA.

To avoid further action, please forward to me a description of the procedure taken in order to determine the accuracy of account number [ Insert Account # ] including but limited to, the name of the creditor, along with their address and phone number. Also, I want to know who you spoke with and on what date.

Please forward this information to me within 15 fifteen days of receipt. As I have previously stated, this account is incorrect and needs to be deleted. Please send me a corrected credit report along with the description of your investigation.

METHOD OF VERIFICATION - PUBLIC RECORDS

METHOD OF VERIFICATION - FOLLOW-UP

METHOD OF VERIFICATION - NO RESPONSE

INVESTIGATION RESULTS DISPUTE

REPLY WHEN ACCUSED OF CREDIT REPAIR

This letter is in response to your computer generated letter dated [ Insert Date ]. Your letter states that you have decided to cease investigation of the incorrect items I have reported to you because in your opinion I am the client of a third party credit repair agency. Well, in my opinion this is an obvious dragging your feet tactic in order to delay my original request and is also a 
blatant violation of the Fair Credit Reporting Act.

You were advised by me on my letter dated [ Insert Date ] (copy enclosed) to investigate a few things that I believe are inaccurate. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation.

And FYI, I did some research on the matter and found that there is no law forbidding a consumer from using a credit repair agency, which makes your response even more absurd! As a matter of fact, Congress has found the process so overwhelming that they specifically afford consumers the right to use a third party agency on their behalf if they so choose.

Congress also reserves my right to sue a credit bureau for violations of the FCRA.  I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and you are now stalling the process further. I realize disputes may be expensive and therefore it is your job to stall them but you do so at great risk. Please take notice that this letter dated [ Insert Today’s date ] is formal notice to you that I am requesting for you continue moving forward with my original investigation request. Send the results to me within 15 days. I therefore legally and lawfully refuse your "form letter" thus giving you only 15 days not 30 more.

I am outraged at your accusation and I have fully researched my rights in regards to my credit file. I look forward to your expediting my original request immediately.

REQUEST DOCUMENTATION WHEN DELETED ITEM WAS REINSERTED

I sent your company a letter disputing account number [ Insert Account# ] with [ Insert Creditor ] on [ Insert Date ]. I received a response from you dated [ Insert Date ] where you stated that the item [ had been deleted; was not reporting; no longer existed ]. Please see copy of both letters enclosed.

After reviewing my credit report again, I have noticed that the item has been reinserted. It is my understanding that a deleted item cannot be reinserted unless the original providers of the information have verified that it was being reported correctly. Is that what has happened? If so, I 
am requesting all documentation proving the certification of accuracy. The Fair Credit Reporting Act also states that if for any reason a deleted item is reinserted into the credit file, the credit bureau is to notify the consumer in writing within 5 days of reinsertion. I do not recall receiving such notification, therefore you violated the FCRA.

I am willing to give you more time to furnish this information to me before I pursue filing a complaint against your company for the above mentioned FCRA violation.

Please forward to me: 
The name, address, and telephone number (if available) of t he furnishers of the information confirming its accuracy. 
Documentation stating that the item has been reinserted and the date of reinsertion. 
Documentation stating that, as a consumer, I continue to have the right to add a status of “disputed by consumer” to the item.

I am furthermore requesting documentation of the reinvestigation process performed when this item had been deleted. In accordance with the FCRA, I expect to receive the requested documentation within 15 days of receipt.

REQUEST DELETION WHEN DELETED ITEM REAPPEARS

I have previously disputed the above referenced account on [insert date].  This item was deleted from the credit file on the subsequent credit report of [insert date] and your report #xxxxxx . 
 
However, now  these items have reappeared on my credit report. In accordance with the requirements of the FCRA, I am hereby requesting your complete compliance with any and all of the provisions listed below and permanently remove this item. "FCRA § 611, Procedure in case of disputed accuracy [15 U.S.C. § 1681i].

Requirements relating to reinstatement of previously deleted material. Certification of accuracy of information. If any information is deleted from a consumer's file pursuant to subparagraph (A), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.  If any information that has been deleted from a consumer's file pursuant to subparagraph (A) is reinserted in the file, the consumer reporting agency shall notify the consumer of the 
reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause (ii), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 
 
(I) a statement that the disputed information has been reinserted;  
(II) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and 
(III) a notice that the consumer has the right to add a statement to the consumer's file disputing the accuracy or completeness of the disputed information."

I did not receive this required notification. In essence, this is a serious violation of the FCRA. I may choose to exercise my right to pursue further action.  I INSIST that you immediately delete this listing from my credit report if you would like to avoid me moving forward with my said rights.

ACCOUNTS SHOULD HAVE BEEN INCLUDED IN BANKRUPTCY

BURDEN OF PROOF ON THE CREDIT BUREAU FOR BANKRUPTCY ITEMS

REQUEST FOR ADDITION OF CREDIT INFORMATION

REQUEST FOR CREDITOR DOCUMENTATION

INQUIRY DISPUTE - LETTER A

After reviewing a copy of my credit report, I noticed an inquiry from your company dated [ Insert date ]. I do not ever remember applying for credit with your company, so I would like to know what permissible business purpose you had for pulling my credit? I have heard of companies 
pulling credit without authorization and I know it is not allowed under the Fair Credit Reporting Act.

I tried to dispute this with the credit bureaus, but they basically state that if you are reporting as an inquiry, then you must’ve pulled my credit and I have to dispute it with you. I would like to see the application I would have had to sign if I were to apply for credit, giving you a right to pull my report. The Fair Credit Reporting Act states that any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or $1,000, whichever is greater.

Please present me with your permissible purpose for pulling my credit report immediately or get ready to pull out your checkbook.  
I look forward to gearing from you soon.

INQUIRY DISPUTE - LETTER B

INQUIRY DISPUTE - LETTER C

INQUIRY DISPUTE - LETTER D

INQUIRY DISPUTE - LETTER E

According to my [ Insert those that apply: Equifax, TransUnion, Experian ] credit report, your company pulled my credit report on  [insert date(s)]. To the best of my recollection, which is not clouded, I did not apply for credit or employment with you. That being said I am sure you are more than familiar with 1.  the 1998 FTC opinion letter Greenblatt (viewable at           
http://www.ftc.gov/os/statutes/fcra/greenblt.htm)

"Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for $1000 or actual damages (whichever is greater) to both the consumer and to the consumer reporting agency from which the report is procured."  
 
2. the FCRA § 616. Civil liability for willful noncompliance [15 U.S.C. § 1681n]  
"(b) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or $1,000, whichever is greater."

Please explain your permissible purpose for your obtaining my credit file. Should you not have a permissible purpose please chose one of the following options:

send the credit bureaus listed above ( and a copy to me) a letter stating the inquiry was done in error and should be removed or arrange for payment of $1,000 by [insert date].

FOLLOW-UP (ROUND 2) INQUIRY DISPUTE

REQUEST FOR DEBT VERIFICATION - LETTER A

REQUEST FOR DEBT VERIFICATION - LETTER B

I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with the credit bureaus [list the bureaus you sent disputes to]. The response I received from them was that and you were able to verify this debt. This is not only perplexing, it is 
troubling since I  [I am only an authorized user, was not late or this is not my account  etc] . 
  
I respectfully request that you send me the proof that what you are reporting is accurate. If you cannot, which will certainly be the case since it is inaccurate; I demand you immediately remove it from my credit report.

If you continue to list the disputed item on my credit report I will exercise my rights pursuant to the FCRA, and sue you for improper reporting of information to the credit bureaus regarding my credit history, actual defamation damages and declaratory relief under the FCRA. To remind you 
of what this entails, according to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.  Your actions or lack there of have severely limited my ability to obtain credit.

To further clarify the law for you, recent changes to the FCRA (FACTA), consumers now have the right to go directly to the original creditor and ask for proof of negative information.  Court case opinion No. 00-15946 CV-99-00290-D.C. by the US Court of Appeals 9th Circuit, Nelson Vs. Chase Manhattan, the court ruled that the creditor has the responsibility to investigate and make sure that correct information is being reported to the bureaus, and that the consumer has a right to sue under the FCRA, should his or her rights be violated.

While I prefer not to, I will use the courts if needed to enforce my rights under the FCRA.

DISPUTE LATE PAYMENTS

I recently reviewed my credit report from [insert the bureaus that apply]. Unfortunately,  I saw that you have recently began to report me 30 days late on this account on [insert date].  I have previous credit reports from the above mentioned  agencies that reflect my account accurately, as paid on time.  Not only was I never late on this account, but I never received notice that you were going to insert negative data on my credit report, as you are required by the FCRA……..  
  
"§ FCRA 623 (a) (7) Negative Information 
(A) Notice to Consumer Required 
(i) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603(p) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 
(ii) Notice effective for subsequent submissions. After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described in section 603(p) with respect to the same transaction, extension of credit, 
account, or customer without providing additional notice to the customer. 
(B) Time of Notice 
(i) In general. The notice required under subparagraph (A) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603(p). 
(ii) Coordination with new account disclosures. If the notice is provided to the customer prior to furnishing the negative information to a consumer reporting agency, the notice may not be included in the initial disclosures provided under section 127(a) of the Truth in 
Lending Act."

Reporting inaccurate information is also a violation of the FCRA. 
I first contacted the above mentioned credit bureaus about the mistake. They sent me a letter stating you “verified” the information.  How is this possible?  I would like you to actually look into my account history this time and not just send an automated “verified” response! After doing so you will see that I was not 30 days late on [insert date].

The FCRA allows for damages of $1000 per violation. So far you have violated my rights three times…. Twice by never notifying me and once for reporting inaccurate information. I could surely use the 30000 bucks since the interest rate on my other credit cards raised due to your error, not to mention my the priceless cost of my time writing these letters.

I demand that you correct my account to show to “paid as agreed – never late”, and remove the 30-day late for [insert date], or I will seek legal action and remedy.

DISPUTE INACCURATE INFORMATION - LETTER A

DISPUTE WHEN REPORTING BALANCE

After recently receiving a copy of my personal credit report and reviewing the accounts that are reporting, I noticed there is a balance being reported by your company for the account listed above. First of all, the balance reporting is incorrect and furthermore the balance was paid in full on [ Insert Date ]. Please see the receipt of payment attached to this letter.

After reading up on the Fair Debt Collection Practices Act and Fair Credit Reporting Act, I realized you are in violation of these set regulations that you are required to follow. You are required to report only truly accurate and completely validated information.

By reporting a debt (and an incorrect debt at that)on an account with a zero balance is unacceptable. This account is also [ Insert # ] years old, and you still have not corrected the balance?! I am demanding that you right these wrongs immediately by deleting this inaccurate account in it’s entirety from my credit report. Please be sure to provide me and the credit reporting agencies with accurate confirmation of this deletion.

DISPUTE TO CEASE REPORTING OF AUTHORIZED USER DATA

It has come to my attention that you are reporting the above listed account on my credit report. I am only an authorized user on the above account. Therefore, this is a violation of the FCRA and I request that you remove the entry from my credit report immediately.

To further explain: Section 603 of the FCRA, states that only information on credit issued to a consumer is allowed. I am authorized user, and do not fall under these categories, I am not responsible for the debt and did not receive credit. An authorized user doesn't have credit on this 
account and it's only the signor that is responsible.

To simplify this for you; Someone else's credit is reporting on your report if an account that you are only an authorized user on reports on your credit report.

The exact text to which I refer:  
FCRA Section § 603. Definitions; rules of construction [15 U.S.C. § 1681a] (what credit lines can be reported). 
(l) Firm offer of credit or insurance. 
The term "firm offer of credit or insurance" means any offer of credit or insurance to a consumer that will be honored if the consumer is determined, based on information in a consumer report on the consumer, to meet the specific criteria used to select the consumer for the offer, except that the offer may be further conditioned on one or more of the following: The consumer being determined, based on information in the consumer's application for the credit or insurance, to meet specific criteria bearing on credit worthiness or insurability, as applicable, that are established  
(A) before selection of the consumer for the offer; and  
(B) for the purpose of determining whether to extend credit or insurance pursuant to the 
offer. 
(2) Verification  
(A) that the consumer continues to meet the specific criteria used to select the consumer for the offer, by using information in a consumer report on the consumer, information in the consumer's application for the credit or insurance, or other information bearing on the 
credit worthiness or insurability of the consumer; or 
(B) of the information in the consumer's application for the credit or insurance, to determine that the consumer meets the specific criteria bearing on credit worthiness or insurability.  
(3) The consumer furnishing any collateral that is a requirement for the extension of the credit or insurance that was (A) established before selection of the consumer for the offer of credit or insurance; and 
(B) disclosed to the consumer in the offer of credit or insurance.

Please comply to the law and remove this account from my credit report and send me confirmation that you have done so.

DISPUTE ROUND 2 - REMOVE LATES

I recently sent you a letter, certified,-return receipt. It stated that I  reviewed my credit report from [insert the bureaus that apply] and that I saw that you have recently began to report me 30 days late on this account on [insert date].  I also stated that I have previous credit reports from 
the above mentioned agencies that reflect my account accurately, as paid on time. I explained that I was I never late on this account, and I never received notice as required by the FCRA that you were going to report negative information to my credit file. Furthermore, I stated that I immediately disputed the late payment to the bureaus and that they said you “verified” the lates to them.  As of the date of this letter I have not received a response to my request. Why are you ignoring me? I will not just forget about it.

This is my second request to you to correct this in writing. The several attempts by phone were never successful either, as you out source to India and they promise corrections that never happen. I tried numerous times to get my statements from you, but never received them.  My previous letter listed the sections of the FCRA that you are violating. You are in clear violation as I was not late and I never received notification that negative data was going to be furnished to the bureaus about me.  I also noted that I was sending a copy of the letter certified mail-return receipt to the proper agencies. I will do the same with this letter. I will then lodge formal complaints and pursue legal action if you do not supply proof of my late payment of confirmation that it has been removed.

SECOND REQUEST: Correct my account to show to “paid as agreed – never late”, and remove the 30-day late on

DISPUTE ROUND 2 - NO RESPONSE TO ZERO BALANCE

AFTER CB VERIFIED AN ACCOUNT

This is a formal dispute regarding your verification of account number  [ Insert Account# ]. The information being reported for that account number is completely incorrect, so how could you have verified it? I am including a copy of the response dated [ Insert Date ] from [ Insert Credit bureau ] stating you verified the information.  I am requesting copies of the documentation that your company reviewd in order to report the account as verified. I would like to know what steps were taken in order to ensure that you are reporting the most complete and accurate information available to the credit bureaus.

If you are unable to provide me with this requested information, then you must delete all references to this unverifiable account from my credit report with all three credit bureaus. If you are also unable to delete the unverifiable account from my personal credit report, you will be in direct violation of the Fair Credit Reporting Act and I will be forced to take legal action against you. I have kept thorough records of a written communication between you, I and the credit ureaus, so I have sufficient evidence to prove your negligence.  Please either send me evidentiary documentation supporting your verification or delete this account from my credit report within thirty days.

REQUEST FOR VERIFICATION PROCEDURES

VERIFYING IF CB CONTACTED OC FOR VERIFICATION

I am writing to your company regarding inaccurate information being reported on my personal credit report in regards to the above account.  
I have disputed the incorrect information with [ Insert Efx, TU, or Exp ] on [ Insert Date ] as I was informed to do. On  [ Insert Date ], I received a response stating that the account information had been verified and there would be no change.  I find that very hard to believe, especially considering [ Insert a reason could not be correct: the other 2 CB’s could not verify it & deleted it; the acct is showing a balance when the balance was paid; etc ]. I have heard of some credit bureaus merely stating an account was verified, but not actually contacting the original creditor.

This reporting of incorrect information is very damaging to me and will not be tolerated. I am fully prepared to take legal action against the responsible party. I do not want to file suit against your company if it is not warranted. Please furnish me with written confirmation that you have or have not been contacted by [ Insert Efx, TU, or Exp ] regarding the above account number. If you have not I will focus my attention on the credit bureau instead of your company.

If you do not respond, I will assume that you did provide [ Efx, TU, or Exp ] with the inaccurate information and I will be forced to follow through with filing a lawsuit against your company. As I stated before, I am quite sure that you have not been contacted considering the nature and circumstances of this dispute, but I do request to see that in writing.  Please help me in trying to ensure that [ Efx, TU, or Exp ] correctly reports all information as required by the Fair Credit Reporting Act.

REQUEST TO PULL BACK DEBT FROM CA

DEBT SETTLEMENT OFFER ONCE VERIFIED

When I received my personal credit report, I noticed a debt being reported by your company. Though I have not yet received a verification of said debt, in the event that it is verified, I do have an offer to present to your company.

I would like to first be very clear as to what I am offering. This offer is NOT a renewed promise to pay nor is it even valid if your company does not sign and date the letter and return it to me. Again, I would also like to point out that I still do not have an actual validation of debt and I am holding my right to ask for proof in the future.

I am aware of your right to report in whatever way that you see fit, just as I am sure you are aware of my right to request verification and dispute this debt if I feel it is inaccurate. Which is why paying this debt without first reaching some sort of agreement might result in an account showing “paid collection”, which is not favorable to me.  As I said before, I am aware that you have the right the absolute right to report this debt as you see fit OR not report it at all.

My mission with this letter is to come to an acceptable agreement for both parties involved.  I am offering to pay your company the amount of [ Insert $ amount ] as payment in full for account number [ Insert Account# ]. Upon receipt of said payment, your company agrees to change the status on my credit report to [ Insert good standing status ]. You further agree to remove all previous notations of delinquencies.

By signing these terms and returning to me, you hereby agree that said terms are confidential  After receiving your signed response, I will immediately forward to you the agreed upon Payment.

Again I would like to stress that this IS NOT a renewed promise to pay but rather a restricted offer only. If you do not agree to these terms, then the offer will be void.

DEBT SETTLEMENT OFFER - LETTER A

I am writing to you to offer a possible settlement of the debt in the amount of [ $ ] pertaining to account # [ Insert account # ].  
Please accept my offer to settle this debt under the following conditions:

Your company agrees to accept [ $ amount ] as satisfactory payment in full for account number [Insert account # ], provided said payment is paid in full and within the terms listed below:

[ For example; 10 payments of $200.00 on the 1st of each month, half now half next month, etc. ] The creditor agrees to place a hold on my account so as not to charge any additional fees or interest, as long as the debtor fulfills the agreed upon terms of payment.

The creditor reports the account as “current” to all three credit bureaus.  Once all payments are made, the creditor agrees to delete all negative information being reported to the CRA.  This agreement shall be binding and confidential once signed by the creditor.

If you agree to these terms, please sign, date and return to me as soon as possible. As soon as I receive the signed response, I will immediately begin to make the payments that we have agreed upon.

X_________________________________Date____________  
Printed Name of Signer_______________________________

CONFIRM DEBT SETTLEMENT OFFER - LETTER C

This letter is a formal confirmation of our telephone conversation on [ Insert Date ] regarding the aforementioned account. As we have previously discussed, I will pay your company in the amount of [ Insert $ amount ] as full and final settlement of this account.  
Per our agreement, I will send you a money order or certified cashiers check for the settlement amount of  [ $ ] in exchange for a satisfactory credit rating and full satisfaction of the debt.  
 
As we have agreed, I will maintain my end of the arrangement by sending in the pre-discussed amount and you will list the account [ current or deleted (if collection) ] to the three credit Bureaus that you currently report to. ]  If you agree to the above, please acknowledge with your signature and return a copy to me. Upon receipt of this signed acknowledgment, I will promptly send you a money order or cashiers check in the amount stated above.

I would like to confirm again that this agreement is restricted. This is not a renewed promise to pay but rather a restricted settlement offer only. By not signing below, you agree that the debt as not been renewed nor has any concrete written agreement been exchanged. This agreement 
is a binding accord and satisfaction if both parties meet said terms.  Please fill out the following and return to me:

Credit bureaus you report to: __________________________________________  
Creditors Position or Title: _____________________________________________  
Creditor’s Authorized Signature: _____________________________________________ Date

REPO DISPUTE - LETTER A

Original Creditor:  
[ Insert OC ] 
Account# [ Insert OC Account# ]  
Collection Agency:  
[ Insert CA ]  
Account# [ Insert CA Account# ]  
Car Dealer:  
[ Insert Name ]  
RE: [ Insert make, model ] 
VIN#: [ Insert VIN # ]  
I am writing to you regarding the repossession of the above mentioned car. The repo took place on [ Insert Date ] by [ Insert OC ] and was resold on or about  [ Insert Date ]. I am not refusing to pay the debt, but I am disputing it.

A deficiency cannot be claimed unless the correct notices were given in a proper and timely manner. Also, the law states that there must be sufficient redemption and cure time limits before a repossession may occur.

I am requesting copies of all dated notices sent to me and I am also requesting a copy of the bill of resale for my records.   If for some reason you are unable to respond to my requests within 15 days from receipt of this letter, I will assume that this deficiency is indeed voided. I will also continue to check my credit report. If there continues to be any collection activities or damaging credit reporting, that will be a direct violation of the Fair Debt Collecting Practices Act and I will not hesitate to file a complaint with the Federal Trade Commission.

REPO DISPUTE - LETTER B

VOD LETTER A

VOD LETTER B

This letter is in regards to an invoice sent to me at the above address dated [ Insert Date ]. I am formally disputing this debt and I am furthermore requesting a validation of this debt. I want to stress that this letter IS NOT a request for verification, but a request for validation.  
Under the Fair Debt Collection Practices Act, I have a right to request evidence proving that I have a legal obligation to pay the alleged debt to you. Please provide me with the name and address of the original creditor, what services were performed, a detailed history of the account, copies of documents bearing my signature where I agreed to pay this debt. I would also like your license numbers and Registered Agent information.

I am sure your company is aware that while this account is in dispute, you are unable to continue trying to collect this debt or report to the credit bureaus regarding this account. If you do, it will be a clear violation of the FCRA and the FDCPA. If you do provide me with the requested 
information, I will require 30 days to review the results, at which time collection activity must continue to be on hold. If you do not respond to my request for validation within thirty (30) days of receipt, you must remove/delete the account in its entirety from my credit file. At such time, I request a confirmation of deletion be mailed to me.

VOD LETTER C

Hi there. I am writing to you because I recently got a copy of my credit report and you were on there! I never did receive any notice that I was in a collection agency and I am not too happy. I started to look around on the internet and I was reading up on the Fair Debt Collection Practices Act and if I am reading correctly, I believe you have acquired a violation by not informing me I was in collections.

Now, I am a very happy person and do not want to cause your company distress, but this just isn’t right. Honestly, I don’t even think you are reporting on the right person. I am not aware of any debt I owe because I am very responsible when it comes to making payments. What is this debt for? What services were performed?

After reading through the FDCPA, I am now aware that I am able to ask for a “validation of debt”, which I am formally doing now. Please make sure that I am the correct party to bill regarding this debt, because I don’t think I am. Please send me a complete detailed history of every transaction on this account. Also, if you are saying that I owe this debt, then you must have some sort of document bearing my signature where I agreed to pay this debt. I want to see that also.

Thank you in advance for your immediate attention to this matter! Have a blessed day!

VOD LETTER D

VOD LETTER E

VOD LETTER F

VOD ESTOPPEL BY SILENCE

his letter is a formal complaint that I believe your company has violated my rights as a consumer by failing to validate a debt at my request and continuing to report the disputed debt to the CRA. These are clear violations of both the FDCPA and the FCRA.  Not only have you ignored my prior requests for validation of debt (proof enclosed) [ Send copies of previous letters or certified mail receipts with letter ] but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and provide the following:

Validation of Debt Request 
-Proof of your right to own/collect this alleged debt 
-A complete detailed history of all transactions (including payments, credits, returns, etc) 
-Contract bearing my personal signature

As you may be aware, "Estoppel by Silence" legally means that you had a duty to speak but failed to do so. Therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above, within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may seek damages from you if warranted.

VOD & SETTLEMENT OFFER

I have received a ton of calls from your company stating that I owe a debt of [Insert $ amount ]. I know of no such debt! According to the Fair Debt Collection Practices Act I am allowed to request a “validation of debt”. I am also aware that you are a collection agency, well then who is the original company? And what service did they perform? I would like to see a copy of something bearing my signature allowing you to collect this debt for the original company.

I also request that all communication between me and your company from now on remain written. I DO NOT wish to receive any more phone calls regarding the alleged debt. The next written communication I receive from you should include a complete transaction history, including any payments, refunds, returns, fees, etc. I would also like to see a copy of the documentation bearing my signature wherein I agreed to pay this debt. And lastly, I would like to see the contract between you and the original company stating that you are authorized to collect 
this alleged debt.

I would hope that your company is aware of the legalities of this situation. Mainly, that you are unable to continue any collection actions (including reporting to CRA’s) while this account is in dispute. I’m sure you would not like to pay any fines for violating the FCRA or FDCPA. Those fines can reach up to $1000.00 per offense payable to me. I, personally, would rather not have to go through the court system and I am sure you agree. I would not want to waste the time or the money, even though I would be guaranteed to avail. In the event that this alleged debt is in fact owed by myself, I am willing to minimize both yours and my grief by offering to pay [ Insert $ amount ] as payment in full. This is in no way an admission of possession of said debt, but instead a way to quickly resolve this matter if proved correct.

VOD LETTER WHEN SOL EXPIRED

At this point, I am extremely disappointed in your collection practices! I have been receiving numerous telephone calls about a debt that you say I owe. One of your people called while I was at work and threatened my MOTHER by telling her they were going to put a lien on the house and 
she would have to pay all of her savings!!! Who’s supposed debt is this?! Mine or my mother’s? Besides your horrible collection practices and the fact that I do not believe this debt is even mine… you are over the statute of limitations. You are reporting the date of last activity as [ Insert 
Date ] and the SOL on this debt expired [ Insert how long ] ago. Also, by telling my mother that your company was going to place a lien on the house and seize her savings, you clearly violated the Fair Debt Collection Practices Act. You are not able to do either of those things without a judgment, which your company doesn’t even have. Violations like that can cost you up to $1000 plus lawyer fees! I would like to keep this out of court, but should you decide to continue these illegal activities I will not hesitate to file suit.

I am also requesting for you to validate this debt. I want to see a complete detailed history of every transaction ever done on this account. I am also requesting for you to provide sufficient vidence that this debt is indeed owed by me.

I demand results within thirty days of receipt of this letter.

VOD LETTER WHEN CREDITOR HAS NO RECORD OF ACCOUNT

VOD ROUND 2 & SETTLEMENT OFFER AFTER NO RESPONSE

More than thirty days ago, I sent your company a validation request for account # [ Insert Account# ] and I still do not have any response from your company. I know that this was not a postal service error because I received the certified confirmation that it was delivered on  [ Insert Date ]. Even though I do not have a validation from you, I still see this account on my credit report. It is my understanding that reporting an invalidated debt is in violation of the Fair Debt Collection Practices Act. In the first letter I sent to your company I asked for a validation of debt nd I even offered a debt settlement if the debt is indeed mine. I am going to once again offer to pay 50% of the bill as payment in full, as long as you can validate this debt sufficiently. Be advised that this is a very generous offer considering you are in violation of the FDCPA and are liable to pay a fine, payable to ME.

I am sure that you would like to keep this out of the courts and I agree. Nobody enjoys spending all that time and money to settle something that could very easily be handled outside of the court system. Please send me validation of this debt and if mine, confirmation that you would like to comply 
with my settlement offer, which would also include that once payment is received, your company agrees to remove/delete this account from my credit report. 
Please handle this immediately.

VOD ROUND 2 AFTER NO RESPONSE-LETTER A

This letter is in regards to the letter I sent to you dated [ Insert Date ] regarding account number [Insert Account# ]. I requested that you validate the debt for this account and I have not yet received a response. Under the Fair Debt Collection Practices Act, you are required to respond to 
my request within thirty days of receipt. I have given you more than thirty days to validate the alleged debt.

Because you continue to report this account negatively against my credit, you are now in violation of the FDCPA. Violations of this nature are subject to fines up to $10,000.00 payable to me. I am allowing your company fifteen more days to comply before filing a complaint. I would also like to point out that negative marks like what you are reporting, can be defined as defamation of character due to their damaging effects. I would hope you are aware that non-compliance with this request could put your company in serious legal trouble that I am sure you would like to avoid, as well as I.

Please respond to my request within fifteen days of receipt to avoid further legal action.

VOD ROUND 2 AFTER NO RESPONSE-LETTER B

This letter is a formal complaint that I believe you are in direct violation of the Fair Debt Collections Practices Act. It is my belief that you have violated at least three sections of this act by: 
Failing to validate a debt as allowed to the debtor under 15 USC 1692 (g) Section 809 (b) 
Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 
(g) Section 805 (c) 
Harassment of alleged debtor under the "abuse & harassment" subsection of the statute, USC 
1692 (g) Section 806 (5)

This act was put in place to protect the rights of consumers, such as myself, from unscrupulous collection agencies. I have kept complete and thorough records of all communication between your company and myself and I am prepared to take full action.  I sent a letter to your company on [ Insert date ] via certified mail, requesting your company to validate the alleged debt that you are reporting I owe. I also included cease and desist instructions for your company to follow, which you have failed to do. I received the confirmation of delivery your office had signed shortly before receiving a bill from your company. A simple bill IS NOT a “validation of debt”. It might be wise to educate yourself and your company as to the correct procedures. Including the fact that you are not to contact a consumer after receiving a cease and desist letter, which your company has also done. Violations of this nature can cost your company up to $1000.00 in damages per incident. I very much doubt you would rather collect the alleged debt of [ Insert Amount ] than losing your license and the additional fees associated with these types of violations.

I am sure you will agree that your company has made very serious mistakes in this matter and I am willing to view them as such, as long as you take the appropriate steps to correct any and all injustices in a timely manner.  I will continue to check my credit report to insure you have not continued to report an unverifiable debt to the CRA, which would be a violation of the Fair Credit Reporting Act.  If you are able to validate this alleged debt, I am requesting a detailed account history including all transactions, returns, payments, etc to be mailed to my address.

VOD ROUND 2 AFTER NO RESPONSE-LETTER C

This is my second request for “validation of debt” in regards to account number [Insert account#].  Why am I having to send a SECOND REQUEST?!

If you are confident enough in the accuracy of this account’s content to report it to the credit reporting agencies, why are you unable to honor my request in a timely manner? This is a simple request of validation that should be easily provided and not a refusal to pay. Would you just pay 
anybody just because they said you owed them?

I work too hard for my money to just hand it away without sufficient proof that I am the correct debtor and am being billed the correct amount. The fact that it is taking so long for you to validate, makes me think that you are stalling due to not having proper documentation. 
I am formally and once again requesting a validation of the aforementioned debt. I would like to see  Copies of any signed documentation obligating me to pay this alleged debt.

The name, address, and phone # of the original creditor, since you are a third party collection agency. Proof that you are authorized to collect this debt on behalf of the original creditor. A detailed history of ALL transactions on this account including but not limited to all payments, refunds, interest, fees, etc.

If you, once again, fail to comply with my requests I will happily file suit against your company for violations of Fair Debt Collection Practices Act.  I have documented proof of your violations.  At this point, I feel that any information I am going to receive from you is going to be tampered with considering how long it is taking for you to produce it. If you are unable to furnish the above information, please delete this trade line completely from my credit report and send me documentation of the deletion within 10 days.

VOD ROUND 2 AFTER INSUFFICIENT RESPONSE-LETTER A

I sent your company a validation of debt on [ Insert Date ]. All I received was a list of the alleged charges and not sufficient proof that this debt is owed by me, as stated in the guidelines of the Federal Trade Commission. In the case of Spears Vs. Brennan, case # 49A02-0003-CV-169 in the court of appeals of Indiana, the court ruled: 
15 U.S.C. § 1692g(b) (emphasis added). On November 12, 1996, nineteen days after the date of Brennan’s debt collection letter, Spears’ counsel Shepard sent Brennan a letter declaring that Spears “disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof.” Record at 21. As such, Brennan should have ceased his debt collection efforts immediately upon receiving that letter. Instead, Brennan proceeded to obtain a default judgment against Spears on the debt collection claim before he had mailed Spears the necessary verification and, thus, violated 15 U.S.C. § 1692g(b).

Brennan maintains, however, that there was no violation of the FDCPA because he “sent adequate verification of the debt [to Spears] in the October 30, 1996 notice of claim.” Brief of Appellee at 13. Specifically, Brennan claims that a copy of the consumer credit contract between 
Spears and American General attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. § 1692g(b). We cannot agree. The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of Spears’ loan, including a 17.99% annual interest rate and the original loan amount of $2,561.59. The loan agreement contains no accounting of any payments made by Spears, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once Spears stopped making the required payments. Indeed, the existing unpaid contract balance at the time Brennan sent the debt collection notice was at least $350.00 more than the original loan amount. Therefore, Brennan violated 15 U.S.C. § 1692g(b) when he failed to cease collection of the debt by obtaining a default judgment against Spears after Spears had notified Brennan in writing that he was disputing the debt but before Brennan had mailed verification of the debt to Spears. We reverse the trial court’s entry of summary judgment in favor of Brennan on this issue.

By continuing to report this collection on my credit report, you are in violation of the FCDPA and can be subject to fines up to $1000 payable to me. They can also be considered defamation of character because f their damaging effects on my life.  If this account is not immediately removed from my credit report, I have every intention of filing suit against your company. I am aware that it is a crime to threaten suit without any intention of doing so, so be advised I am more than willing to follow through.

I expect to hear back from you within 15 days of receipt.

VOD ROUND 2 AFTER INSUFFICIENT RESPONSE-LETTER B

You have failed to prove this account is my responsibility. I would expect you to know what “proof” is. I do not see my signature on anything. Perhaps I have been the victim of identity theft or fraud, or perhaps the mix up is in your records. Either way, it is obvious this is not my account. 
I have documented my correspondence with you, and I will file complaints with the appropriate authorities if you do not remove this item from my credit report immediately and cease all communications with me. In addition, if I find this entry on my credit report later interferes with 
my ability to obtain credit with favorable terms, I will bring suit against your company and the original creditor for applicable damages, as well as for statutory penalties provided under the FDCPA and FCRA.

This correspondence shall serve as your legal notice under provisions of federal law, the Fair Debt Collection Practices Act (FDCPA), to cease all communication with me in regard to the debt referenced above. If you fail to obey this notice, I will file a formal complaint against you with the 
Federal Trade Commission who it is my understanding is responsible for enforcement, and my state's Attorney General office.

This correspondence shall also serve as notice that should any adverse information be placed against my credit report as a result of this notice that appropriate actions will be taken against the violator. I suggest you give this matter careful thought and review and proceed accordingly.

VOD ROUND 2 AFTER INSUFFICIENT RESPONSE-LETTER C

This letter is regarding the letter I have received from you dated  [ Insert Date ]. I asked your company to validate a debt that you are reporting is mine, but what you have sent me does not prove anything! There is nothing bearing my signature. I can make documents like this at my own home. If I sent something like that to you, claiming that you owe me money, would you pay me? I don’t think so.  Since you have failed to prove this debt is mine, as you are required to do by the FDCPA, then I demand it be removed from my credit report.  Furthermore, I am requesting that you cease and desist all communication between your company and myself. Since you are unable to prove that the alleged debt is mine, I see no reason to continue communication. If you do not comply with this cease and desist order, I will file the necessary complaints with the necessary offices to protect my rights.

Please do what is right, by deleting this account that you are unable to validate as soon as possible. While I would rather deal directly with your company, I am willing to take action against you if you do not make the necessary corrections.

ACCUSE CA OF FRAUD BY USING DATE PURCHASED AS DATE OF CHARGE-OFF

After receiving a copy of my credit report, I noticed an account being reported incorrectly. I read and followed the procedure to dispute the inaccurate information with the credit bureaus and have been informed that they have confirmed the account was verified as accurate by your company. This debt is being reported as a charge off, with a date of last activity as [ Insert DLA ]. You are not reporting the actual charge off date, but the date you purchased the debt, which is a clear violation of the Fair Credit Reporting Act. It states that no debt may be reported to a consumers’ credit file for any longer than seven years from the date of charge off and by altering the charge off date to the date you purchased it, YOU ARE COMMITTING FRAUD.

I have informed the credit bureaus of this and have asked for a second validation of this alleged debt. I suggest that when that verification comes to you, you do as you are governed by the FCRA and report only true and verifiable facts.  I have absolutely no intention of paying this expired debt due to the fact that while fraudulently reporting incorrect data, you have also passed the statute of limitations to collect. Should you attempt to collect this expired debt or continue to report negatively regarding this account to the credit bureaus, I will contact my Attorney General and fill out a complaint with the Federal Trade Commission. As a collection agency, you are NOT above the laws that are strictly enforced.

C&D SIMPLE-LETTER A

C&D COMMUNICATION-LETTER B

I am hereby formally requesting you and your company to cease and desist all communications regarding the above account immediately. You must comply since you are a third party debt collector and not the original creditor. I am outraged at your conduct thus far. It is immensely unacceptable and bordering on harassment. Please be advised that the following applies to you.

Pursuant to the Fair Debt Collection Practices Act: 
Debt Collection Practices 
If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.

You are required by this Act, as a third party debt collector or creditor attorney, to immediately cease communication with me including phone calls or letters to my home or business. If you continue to contact me after receiving this dated certified mailing, you will be in direct violation 
and I will file a complaint with the Federal Trade Commission and State Attorney General's Office. As well as consider filing civil charges against your company for willful non compliance with the FDCPA.

VOD AND CEASE TELEPHONE COMMUNICATION

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