Today I got a respond for validation from AAC. Even I outlined SOOO many time what I dont want a computer print out, they still send me a damm print out claiming is from the original creditor. That is a lie.. Anyone has similar situation? what language should I put it in now so this ppl can understand??!!
I found this sample letter in the brd, is this only good for CRA, or I can use it against the CA?? any suggestion is greatly appreciated! ___ Dear Sir/Madame: I am writing to dispute the validity of the above referenced item pursuant to the FCRA. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. Because the FCRA provides concurrent jurisdiction in federal and state courts, I shall elect to use the <insert jurisdiction in which you reside, e.g. Santa Clara County (CA) Superior Court> to bring appropriate action against you. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. I look forward to an uneventful resolution of this matter. Sincerely,
Did you send the FTC opinion letter (WOLLMAN) with your previous letter to AAC? If not, you can find it here: http://www.ftc.gov/os/statutes/fdcpa/letters/wollman.htm Also, if you're looking for the estoppel by silence letter, check out the FAQ section on the board (link is on the top of the first page threads.
