DEar all, please take a moment to help me finalize this letter _____________________________ Hi all, As I posted in other threads, I want to send EQ for an account that was deleted but re-insert 3 months later, Kindly take a look at this letter & let me know if there is anything I should add or modify ( I am never good in wriitng letters!) I also got the EQ cosumer affair's fax number from some here, I was wondering if that is where I should send it..If anyone has any valid address, please letme know, thank you for your time!!! Mrei ______________________________________ Equifax PO Box 105518 Atlanta, GA 30348 RE: Reinsert on account Assets .A. Corp Dear Sir or madam, I am writing to you in regards to the above disputed account that was verify and deleted on Nov 09,2001. The said account was re-inserted on 02,2002 in which I was not notify and totally unaware until May 2002. When I called your office on June 20, two of your representative confirmed that Equifax didn¡¦t not send out any notice because the FTC doesn¡¦t require you to do so. Persuant to ¡± 611. Procedure in case of disputed accuracy [15 U.S.C. ¡± 1681i] (5)(B)(ii) it clearly state that I shall be notify by Equifax in writing no later than 5 business day, here I quote; ¡§¡K¡K(ii)Notice to consumer. If any information that has been deleted from a consumer's file pursuant to subparagraph (A) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. (iii) Additional information. As part of, or in addition to, the notice under clause (ii), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ¡§ Please provide me proof that you have send me any notice on or about on Feb, 2002. You will have 30 days from today to complete your investigation, Upon failure to provide this validation, please delete the inaccurate information within 15 days of completing the investigation. Regards, . Mrei Po Box 888 Montrose, Ca 90066 CC: Equifax Consumer affair Maynard Bryant (404) 745-7954 fax (404) 745-7941 direct line Mrei
I take it that english is not your first language. First I would run this through a grammar checker before I printed it. Although you have verify spelled correctly, you have it used in an improper context. If your grammar and/or spelling are incorrect, they will believe you to be less than intellisgent and treat you accordingly.
Dear SC.. I speak four diffrent language, but I dont have a degree on any of them. I know my weakness, that is why I am not shame to post the letter and ask for public help. I asked other memebr in this board to share their letter with me, but received no respond. Forgive me for showing such a "unintellegent" letter in the forum, I am just a high school drop off single mom trying to survive this world without a degree. Thank you for your time reading my letter.
Do not misunderstand me. I did not say that I believed that you were not intelligent. I was concerned that the bureaus or collection agencies would treat you that way. I can only speak english. I am impressed that you speak so many languages. Although I do have a college degree, I have met MANY intelligent people who never had the opportunity. It is late here right now. Tomorrow, when I can find a bit of time, I will attempt to "rewrite" your letter to be grammatically accurate and post it here. I am a bit tired. I have 5 kids (3 dogs, 8 puppies, 2 cats, 1 rabbit and a barking tree frog!) and I work full time as a programmer. I know much of how you feel with your struggles. Till tomorrow..... Good night
Dear Sc: Thank you, I didnt mean to be a Bxxx, I guess ppl like us get too sensitive sometime. I appreciate your thoughts and concern, and gain, thank you.. _______
Hi lena, Thank you! I just turn the email on, I hope it doesnt take too much of your time. THANK you all......
If it helps, I sent a letter similar to this one to a CRA due to re-inserting previously deleted accounts. After a few days it was deleted. I believe the credit of writing this letter goes to Erica if i'm not mistaken ) To Whom It May Concern: It has come to my attention, through recent and past credit reports, that you have allowed information to be reinserted into my credit file that has been previously deleted. Pursuant to the FCRA, Iâ??d like to be provided with copies of the certification required for reinsertion for the following accounts: â?¢ Collection Agency â?¢ Collection Agency #2 â?¢ Collection Agency #3 I will allow you 30 days to furnish this information, however if you do not provide the information requested, you must delete and â??cloakâ? the accounts as required by the FCRA. Thank you,
LBrown59 I will attempt to "rewrite" your letter to be grammatically accurate and post it here. SCMomof5 ========================== Thank you : I think this is very nice of you to do this for her! Looking forward to seeing the letter;
I like to thank evryone for their help on my letter, last week, lena already helped me & send me a corrected letter. IF is ok with Lena, in case ANYOne need a copy of the letter, just email me, and I will be more than happy to send it to you. Again, thanks Lena, I will send the letter out B4 the stamps goes up again!
Yes, that was my letter. Now that they have ignored me, I'm going to send something similar to what LKH suggested. See my thread about this.
