Is this a good letter to send to cra if the have verfied the debt and the ca fails to validate it: Company Address 1 Address 2 City, State Zip Date RE: Account XXXXX-XXXX-XXXXX Dear Sir/Madam: I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letter certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 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. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 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. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 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, Signature Your Name Your Address City, State Zip enclosures
This person has been posting these questions on every credit related board. He is what we call a troll. He's been banned in the past from other boards. []
Re: Re: Good letter? everyone has a right to post on these boards, and instead insulting this person, try helping them. no one is forcing you to read their posts. btw, the letter sounded good - not like one of those copied ones that everyone uses.
Re: Re: Re: Good letter? That's true, however when a person posts the same question in 5 different threads and on several different boards, and then when he gets an anwer tells those answering that they are wrong, then I doubt they are trying to get help. Further, accusations aren't made just for the sake of making accusations. You have been here maybe a month, so you don't know the history of this person. I do. So, instead of jumping in with a statement that no one is forcing me to read the posts, maybe you should ask why a statement was made.
