...and Credit Store may be out for the count. After faxing them this letter, they are folding like a house of cards. They claim they have sent a letter to the CRAs to DELETE becasue the original creditor could not validate the account as mine. On February 6th, I received from your company confirmation that you received my validation request pertaining to account XXXXXX. You are required by law to PROMPTLY update any reporting of this account to the CRAs to reflect that it is, in fact, being disputed by me, the consumer. The FTC has also published opinions to this effect, stating 5 days is sufficient time to update the reporting. Additionally, I contacted TransUnion today, February 18th and asked if you had contacted them to update the account to show it is in dispute by me. As per Trans Union, you have not yet requested they update the reporting of the account. The following page is an excerpt from the FCRA as amended in 1997. You will notice that Section 623, subsection (a), Paragraph (3) clearly states that you may not furnish this information to a CRA without notice that it is being disputed by the consumer. I have kept careful documentation of all of my correspondence with your company (both written and oral), including the 3 times your customer service representatives hung up on me. I am giving you until Wednesday, February 20th to remove any Credit Store entries from each of my credit files or face a civil lawsuit for Willful / Negligent Non-Compliance as outlined by the FCRA in Sections 616 & 617. Be aware that I am also aware that your company can have my reports updated within 72 hours by faxing a UDF to each of the CRAs. Please understand I am not repeating my request for validation, I am requesting you permanently remove your entries from my credit files or face civil liability for violating those sections of the FCRA that I have mentioned herein. I gave them until early next week and said I will move forward with suit if the accounts are not gone from all CRAs.
I just called them again and confirmed. They read the notes from the account - they failed to validate the account. The original creditor couldn't provide the docs. The entries are being removed. I won. I feel like LKH beating Gulf State.
Congratulations! Great letter you wrote. I have saved it in case in comes in handy modified to my situation in the future L
I took it a step further. I've called them 3 times a day and will continue to do so until it is gone. Each time I call, I ask what's going on. What I have gotten is the fact that it DID go to legal at one point. They just told me tonight (very nicely) that I no longer owe them anything and that they sent me a letter stating as such on the 18th - they said they CCd the CRAs as well. That's funny, because until I sent them my intent-to-sue fax, I was hung up on AT LEAST 3 times. They even told me I didn't know how to read my credit report and to find someone who could! Now, they are more than happy to help me. Sorry I sound like I'm rambling but this is a huge victory for me and it feels good basking in the victory.
GAME OVER! I just pulled TU, Credit Store is gone! That one was good for 50! My score shot up from 596 to 646! It should be gone from EQ by tomorrow. It never showed up on EX. Thank you so much to this board. I came to the table armed with the knowledge I gained from this board and beat them at their own game! My scores in May 2001 when I found this board: EQ - 492 EX - 493 TU - 491 Today: EQ - ~590 (will check in few days) EX - 621 TU - 646 This board is 90% responsible fo rthis! Thanks again! On my way to the 600 club for the first time in 5 years!
