Would somebody please provide some constructive criticm on my hybrid version of a validation request. I used examples found on creditnet and mixed & matched. I did ommit a couple of statements I have seen in a couple of letters. I didn't think they applied. what do you think about ommitting the following as I have? 1) If someone has opened this account without my permission, please close it immediately before furthur harm is done. 2)This is not a refusal to pay, but a notice that your claim is being disputed. (this debt is past the sol) here is the letter. gilliner 1122 boogie boogi e Avenue Debtville,,USA NCO Financial Systems ( 515 Penn Ave Philadelphia, Pa 19144 «Date» RE: Account #xxxxxxxxx/Wells Fargo Dear Sir/Madame: Upon receipt and review of my current Trans Union consumer credit report, It has come to my attention, your company is reporting I owe it a debt. Since this is the first written notice I have seen of this alleged debt, be advised, this is my wriiten dispute of this colletion account and all charges related to it. This letter is notification that I am exercising my rights per the following: 1) Fair Credit Billing Act 2) Fair Credit Reporting Act 3) Fair Debt Collection Practices Act Pursuant to these laws, I am requesting â??documentary evidenceâ? of my indebtedness, that is, competent evidence that I have some contractual obligation to pay you. I am NOT requesting verification that you have my mailing address. If you are reporting this account to the major credit bureaus (Equifax, Experian, Trans Union) please delete it immediately or mark it as disputed by the consumer. Please respond within 30 days with an update of your progress in correcting your records. You should also be aware reporting false or unsubstantiated information in a consumerâ??s credit report is not in accordance with the Fair Credit Reporting Act. You may wish to consult with a competent legal advisor before you continue collection activity on this account. Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. Regards, gilliner then attach the worksheet from the sample letter section. I have never been any good at letter writting and find the available sample to be a god send. PLEASE HELP ME BUILD UP SOME CONFIDENCE HERE!! I don't want to screw this up. see ya, gilliner
