Gulf State / OSI

Who are you talking to over there? Are you just talking to the CSRs or to Compliance. Do you have them on any violations? How many accounts do you have with them?

 

Have you received a response to any of your communications?

 

Butch,

Why are you screwing around with this? Call Sam Shannon Monday morning. Tell him the violations and tell him you want the acct closed today and deleted from the cra's, with a letter and copy of the udf sent to you today. He'll do it. Don't play with them anymore.

 

Butch this is the solution. It will work, it worked for me. Except I faxed him a letter instead of calling. if you need his contact info, do a search, you'll find it.

 

Also Butch, as per the letter "We received and varified your account and are forwarding to dispute department for further processing." I was sent that same letter after I sent them 2 validations and a demand letter. When I got that letter I decided to hold off and see what they came up with. I waited about 2 months. I got nothing and sent a final demand. Then I got a letter asking for copies of ss# and drivers license and my signature 5 times. That's when I decided to call. The rest is history.

 

I went through the validation b.s. with them, they asked for the drivers licence, ect.. I then found they wern't licenced in my state, sent them a Bill Bauer compliance letter and they came off very fast.

 

Can you PLEASE post that letter here??

Thanks

 

hermit or any one how can you find if a collection agency is licensed in my state.

 

it's a version of the Estoppel:

Again, I am formally requesting that you validate all trade line notations that you have submitted and verified to <CRA name> by <CA>, Inc. for me, Javan, for account number 123456789.

I am in receipt of your correspondence dated XX-XX-XXXX in which you disclaim responsibility and knowledge related to your reports to the three major credit reporting agencies. Federal law requires that you keep careful records with respect to consumer reporting. Although I have not applied for new credit, you have requested my Social Security number in violation of the Social Security Act (TITLE 42, CHAPER VII). You have the account number that <CRA> is reporting on my credit file,<acct. number>, and my name and address, but despite the confirmable identifying information, you are demonstrating a clear inability to substantiate anything related to the reports in question. Once again, I am demanding that you satisfy this lawful request for detailed validation regarding these reports within the next 15 days. Otherwise I will be compelled to defend my civil rights accordingly.

Your duty under the Fair Credit Reporting Act is clear:

§ 623. Responsibilities of furnishers of information to consumer reporting agencies [15 U.S.C. § 1681s-2]
(a) Duty of furnishers of information to provide accurate information.
(1) Prohibition.
(A) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.
(B) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if
(i) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate;
and
(ii) the information is, in fact, inaccurate.

§ 616. Civil liability for willful noncompliance [15 U.S.C. § 1681n]
(a) In general, any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of
(1) (A) any actual damages sustained by the consumer as a result of the failure or damages of not less than $100 and not more than $1,000

§ 617. Civil liability for negligent noncompliance [15 U.S.C. § 1681o]
(a) In general, any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of
(1) any actual damages sustained by the consumer as a result of the failure;
(2) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney's fees as determined by the court.

As a brief summary I will restate the following:

I am not requesting verification that you have my name, mailing address and social security number; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance, which incurred the original claims associated with this trade line.

Please know that you now have 15 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative trade line notations from the three primary credit-reporting agencies. Any other action may constitute evidence of your intent to abridge one or more of my civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with Fair Debt Collection Practices Act, Fair Credit Reporting Act, and other federal statutes.

Note that section 1681s-2(b) of the Fair Credit Reporting Act creates a cause of action for a consumer against a furnisher of erroneous credit information (Nelson v. Chase Manhattan).

For the purposes of 15 U.S.C. 1692 et seq., this notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary.

Thank you and I look forward to <company name> resolving this most expeditiously.

Sincerely,
Javan

 

how to find out if CA bonded

look under thread posted by Killer. believe it is labelled "sue cra if not bonded" or something like that. nanac has several posts to the thread, I have a few as well. has good info on how to chase this down

 

Re: how to find out if CA bonded

thanks magggie