[color=0080C0]Is it a requiremnet to include reference to FCRA & FCBA in a friendly letter asking a company to supply a copy of a signed application and billing info?[/color]
Gilliner, The simple answer to your question is NO. You do not have to quote law. But you should certainly articulate your rights. For example "I understand it is my right to request validation of this debt. etc." On my *soft* validations I always begin the letter with the following statement; "One of your employees was kind enough to direct me to the FCRA and FDCPA. Imagine my delight when I discovered all those laws designed to potect my rights. For example I have the right to... etc. etc." If I have the name of a nasty collector I will use his/her name in the letter. "Joe Schmo was kind enough to direct me to the FCRA and FDCPA... etc." I've gotten 2 rotten collectors FIRED. Good Luck, Butch
[color=0080C0]Thank you for you responses. the reason I ask is I am about to send out a friendly letter to an OC. I made them an offer to settle but they referred me to a phone #. In the offer I disputed the validity of the debt and pointed out discrepancies in the the way the account is being reported. I did mention in that offer that I understood my rights under the FCRA, FDCPA(which really doesn't apply) and the FBA. They claim to have updated info with thje credit bureaus. I have yet to see any changes. I thought I would write a friendly letter asking for a copy of a signed application and proof the outstanding amount. [/color]
Butch, I have heard nothing back as of yet my dispute was recieved last week. I disputed with OC sccount not mine. This was a jewelery charge account were the first company was bought by second company then another company bought out that company. My credit reports have yet to be up updated as disputed. I also sent out dispute notices to the CRAS. Last week. on experian and equifax the account is listed twice under two different company names. with at least one trade line reaged. on trans union listed once re aged. In the email I received they acknowledged that there was only one account and they have updated this info with the CRAS. That was last monday. My reports still look the same! I noted that while I served as a Marine4/94 through 4/98 , I was the victim of identity theft. (witch is true. thanks to my dear sister) I also said that I had no knowledge of doing any business with any creditor from the time I got out of the Marine Corps until last month. So I asked for proof of this last date of activity In my letter I stated that I didn't recall opeing an account with any of the companies named and that I was disputing the debt and all trade lines on my reports related to it. I kind of made a mistake however, in the midst of using the dos trick I disputed the two trade lines on exp.I was dispute happy!!! then I sent out dispute notices to all of the CRAS including Exp. I wonder What affect this will have. The ball is in play
