Best way to dispute with oc...

joey123 · Jun 18, 2003

Just wondering what your suggestions would be on the right way to dispute account with OC. The account is in a charged off status, within the sol in ny. Its for 321. Went too 3 different ca's before coming back to the OC (macys). Sent A letter to macys requesting a fraud investigation be started as i have no knowledge of account. They responded to my rightful demands of a fraud invest. by a settlement offer. lol..Any suggestions on a second letter guys?

tia

dlm3089 · Jun 18, 2003

What I've posted below should help. (The post was originally posted by tac14033.)

Originally posted by tac14033
Under the FCRA the OC is not required to validate a debt, this would only apply under the FDCPA and only to CA's or Attorneys acting as debt collectors.

The OC does have a responsibility under the FCRA to investigate your dispute and communicate such to the credit bureaus, which then should be listed on your files as "Consumer disputes account".

Alot of times what I have found is the OC will blow you off entirely and not even respond back to your letter, let alone investigate you dispute or tell the CRA's about it.

I have sent about 20 different OC's a modified version of a validation letter. Basically, I always state in my first line that I am in full dispute over the information they are reporting about me and I request an investiagation. I also add "To help in my investigation of this account I will need from you the following within 30 days...." I state that this will help ensure the incorrect information you are reporting about this account gets corrected.

BTW, always send it certified return receipt so you have proof of them getting your dispute, this is very valuable later when they claim they never got it.

The only OC's to ever respond were...Providian and Cross Country Bank, but none of the OC's ever listed or communicated to the CRA's that the account was in dispute with me.

This is good.....Because this is the violation I sue them on to get them to delete the account from my credit files!

BTW, you will have to actually file suit against the OC's as they just ignore any letter threatening legal action anyway.

They will then want to contact you all of a sudden to find out what the problem is.

I let them know in no uncertian terms of their violations against me. Some want to contest that they have followed the law fully. I said if that is your contention then you can explain it to the judge in court and deny any hard evidence I have to the contrary. I then state you can Delete the account and send me a check for my court costs or you can go to court and pay me then??

Click to expand...

LosAngeles · Jun 19, 2003

"""""The only OC's to ever respond were...Providian and Cross Country Bank, but none of the OC's ever listed or communicated to the CRA's that the account was in dispute with me.
""""""

How can you document this?
Do you pull everyday to document this?
Anyone?

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