Thread: Need quick letter critique...PLEASE

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?

Thanks.


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.

Sincerely,
(author_22's mother)

Do I understand this right? This is an Equifax CA, and it is being reported on all 3 CRs?

If I'm right, and it were me, I would send out a plain validation letter, once they receive it, then redispute with the credit bureaus. I wouldn't admit in any way that I ever attended Lousy Private School.

That's what I was thinking...cause if we get a fake or bad validation, then we can really sock it to both of them. Of course, daughters are always wrong :)

Yeah, it's a EQ CA and is on all three.

It would be hard to claim we never went there as it was a small town and we were always in the paper winning awards for said lousy school.

I didn't say deny you ever attended, I said don't admit you attended..see? Make them prove that you attended in 1998!

I know. I'm just saying, knowing this company, they'll send newspaper clips and crap. But they can't find jack after 1995.

Answers in line

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.
THEY HAVE NO MORALS AND YOU MAY BE MAKING THEM AWARE OF A SITUATION THAT COULD HELP THEM



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.
AS YOU SAID IRRELEVENT TAKE IT OUT

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:

NEVER QUOTE FCRA AND FDCPA IN THE SAME CLAIM AS IT LOOKS LIKE YOU DON"T KNWO THE DIFFERENCE
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:

THIS IS OK BUT I WOULD GIVE THEM THIS
Client: (lousy private school)
Account Number: 227986000095XXXX
ONLY
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).
OK
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.

NOT GOOD YOU KINDA ADMIT THE DEBT
I trust you will immediately close this matter and inform me in writing.

Just start witha not mine
then a proof of debt
then you will have their info to use as ammo for the SOL