Ok, I need assistance. Since I began, I've gotten all my negatives off including those pesky Nelnet loans. Will work on OFSA lates but that's a different story. But here's the situation. I have 1 paid collection left account listed by Merchants Association Collection now known as MAF collection. I did the 1-2 punch and they verified with all three, EQ, EX and TU. Then I sent them a second letter and disputed again, same thing. They verified again. What should I do now???? I want it OFFFF!!!!
December26,2002 RMI/MCSI 18241 WEST ST 3 xxxxxxx,IL 00000 To Whom It May Concern: I am formally requesting that you validate all tradeline notations you have submitted to TRANS UNION credit reporting agencies by RMI/MCSI or VILLAGE OF BRIDGEVIEW for me, YOUR NAME, for account number xxxxxxxxx. Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address; 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 tradeline. I have enclosed two documents which will verify my address: a photocopy of a Driverâ??s License and a photocopy of a recent statement. Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more 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 FDCPA, FCRA, and other federal statutes. I look forward to a timely and amicable resolution to this matter. Sincerely yours, This is the one. But I changed it to fit me.
I sent a goodwill letter to Mark Allen in the Tampa branch and he removed my paid collection. It is gone from TU and EX. It is still lingering at EQ. Mr. Allen is sending me a letter to send to EQ stating that he transmitted the account for deletion on September 4th. If it is still there by the end of the Month I am going to sue the Doctor (it is a paid medical) under HIPPA, and I hope that will get someone motivated to contact Equifax and get it removed. It is my last one also.
