Home
Privacy Forum Home
08/20/08 04:12
Privacy RSS Feeds
Full Disclosure

'good dispute letter'

* Privacy * Security * Surveillance * Blog * 3736

"If you have nothing to hide, why do you have curtains?" -Will Dwyer III
Post your related message now.



• Ebooks and Programs: InvestigationsSpy SoftwareAnti-Spyware


Login or Register


Interact
If you have any questions or comments, please post a new message or a follow up.
Related Resources

Privacy ebooks


Top Searches: • dispute letters • collection dispute letter • dispute collection letter • legal dispute letter • letter of dispute • dispute validation letter • credit dispute letter • credit dispute letters • collection dispute letters • credit dispute forum • dispute letter • credit report dispute letters • dispute collection letters • validation dispute letters • how to write a dispute validation notice • dispute and validation letter • credit dispute forums • how to write letter to credit reporting and • collections dispute letter • credit verification letter • credit report dispute letter • good dispute letter • collection disputes letters • credit reporting letters • dispute validation • credit reports desput letter • credit dispute verification • dispute collection company • debt dispute letters • credit validation dispute letter • account dispute letter • credit report legal dispute •
Credit Reporting - Credit Reporting
good dispute letter

sherry from somewhere out there -

John doe

458-71-

123 somewhere st

any city, state 12345

Midland Credit

8875 Aero Drive

San Diego, CA 92123

Dear Sir or Madam:

I recently obtained a copy of my credit reports and found you to are listed on them, as a creditor/collector. This is a notice pursuant to the Fair Dept Collection Practices Act, 15 USC 1692g Sect. 809 (b) that you dept is disputed and validation is requested.

This is NOT a request for “verification” or proof of my mailing address, but a request for validation pursuant to the above named law. I request that you provide me with competent evidence that I have a legal obligation to you for a debt.

Please provide me with the following.

An explanation of what the amount owed is for and how it was incurred.

An explanation of how this amount was calculated.

Copies of any documents that show I agreed to pay this amount.

A verification or copy of any judgment if applicable.

An identification of the original creditor.

Proof that the statute of limitations has not expired on the account.

Proof that you are licensed to collect in my state.

Your license numbers and registered agent documentation.

If your offices have reported invalidated information about me to any of the three major credit bureaus about me, (Equifax, Experian, or TransUnion) this may constitute fraud under federal and state laws. If any negative mark is placed on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for violation of the Fair Credit Reporting Act, Violation of the Fair Collection Practices Act, and defamation of character.

If your offices are able to provide the documentation I have requested, I require at lest 30 days from the date of my receipt to investigate this information. During this time all collection activity by you must cease and desist. During this validation period, if any action is taken, which could be considered detrimental to any of my credit reports, I will consult an attorney and take legal action.

If your offices fail to respond to this request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion must be sent to me immediately.

I formally request that you and your representatives do not contact me by telephone at my home or my place of employment. If your offices attempt telephone communication with me, included but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will instruct my attorney to proceed with legal action. All future communication with me must be in writing and sent to the address noted on this letter by USPS.

This letter is an attempt to correct your records and any information obtained shall be used for that purpose only.

Sincerely,


Comment #1 Martin from Kansas -

Yes, one trick that some places will pull is to take a very old debt (discharged by bankruptcy, beyond the statue of limitations, and/or beyond the limitations on reporting) sell the debt to a new company which then starts reporting it with an original date of the date the company purchased the debt, not the date you were responsible for it.

Hence, on your credit report bypassing all restrictions on reporting old debts.


Comment #2 PATRICK from HOUSTON, TEXAS -

Yes they do. This is called raging. And it’s very illegal. One why to find this out is to send a verification letter and ask for a complete account history. They must supply this to you. watch for this because it is so very common.

Comment #3 sara leigh (69.1.42.142) -

when you send such a letter would you have to include your account number from your credit report or you s.s # ? how are they to verify? sctrictly by name?

Comment #4 Billy (152.163.37.182) -

I would use the account number form your credit report and name and address as they have it on the account as well as your current name and address (if they are different).

I would not send my ss# as they might not have it and certainly don't need it.


Comment #5 j s anand (71.59.93.63) - Sat Jun 7 14:05:14 2008

i have business accounts and they are reporting under my social security.

You are not logged in. It is recommeded that you post messages and comments with a Privacy profile. You can login or register. You will be protected from spam and have more features. Registration is quick and easy. You can also post as a casual user with the form below. Your IP address will be published with your email address (if provided below).

Submit a follow up to this message.

Please submit a new reply here. HTML is not allowed and you are encouraged to seperate your paragraphs with a double blank line for readablity. More fun in the sun. Please make sure your message is interesting and relevant to Credit Reporting, and this message: If you wish to start a new message click here. Privacy

good dispute letter; Credit Reporting

Everything you enter will be published.

Name:           
E-Mail:         

Optional (please add to our directory first)
Web Link:       
Link Title:     

Message:




Submit Reply. Please do not submit the same message more than once.



For the full benefit of Privacy website please register and login. You can upload your photos and interact with other users better.

Login with Email: Password:
Not a member? Register: Register for Privacy

Note: once you register your email address with Privacy it is used across our whole network of forums and blogs. You can create seperate profiles for each forum or blog, but use the same login.


fdboard.topic
Find or sell your dream home

* www * com *

Full Disclosure first published on paper in 1984. Full Disclosure Live broadcast on World Wide Shortwave. Now fulldisclosure.org is your voice. Have you added a link to us from your website? (3736):

  • <a href="http://board.fulldisclosure.org">Privacy</a>
  • <a href="http://board.fulldisclosure.org/Credit_Reporting">good dispute letter; Credit Reporting</a>
good dispute letter; Credit Reporting

Website copyright (c) 2006-2008 GLR Sales LLC.




(iwzypzprzur)

Privacy Policy
Credit Reporting 'good dispute letter'