My mother is having problems with a collection that A) She doesn't really owe and B) If she did, my brother and I left this private school in 9/1995...the last time they could have possibly charged money. Thus, the SOL and the reporting period has long passed. We tried a straight credit bureau dispute, which failed. She wants to send this letter...is this OK?
Dear (Equifax-affiliated local CA):
I do not believe you are intentionally reporting false credit information. However, now that you are aware of the situation, you are legally and morally required to resolve it.
My children did go to (lousy private school), but left in September 1995. That was the last time this idea of a school could have possibly had any monetary claim. While we never did owe them any more money, this is now irrelevant.
I am sure you are aware of the FCRA and FDCPA. Not only was I never informed by your agency of this debt, it is now January 2003...well over seven years since my children left this institution. Therefore, you cannot be reporting this false debt claim on my credit reports anymore, or keeping it in your files as a collectable debt. The last activity was not in any way 2/1998 as you claim below:
Client: (lousy private school)
Account Number: 227986000095XXXX
Date Reported: 05/2001
Amount: 2724 Balance: 2724
Balance Date: 05/2001
Last Activity:02/1998 Date Assigned: 07/1998
Collection Status: UNPAID
Whose Account: INDIVIDUAL ACCOUNT
Collection Agency Information: (Equifax-affiliated local collections agency)
Status Date: 05/2001 Note:
Failure to remove this account completely from your active database and the three major credit bureaus within 30 days will result in a lawsuit against you and (lousy private school). You have already reported a false debt for almost five years. Even if you do contend (lousy private school) once had a legitimate claim, the time for it has far passed.
I trust you will immediately close this matter and inform me in writing.
EX: 494 (7/13/04)
EQ: 412 (7/13/04)
TU: 600 (7/16/04)