I have been disputing an account on my credit report since Jul 03. It is from Dell. I have never had an account with them or purchased anything from them. I have sent numerous letters to Dell asking for proof of this debt. They NEVER reply to me. I sent in disputes to the 3 CRA's and Transunion deleted and the other 2 verified. It wasn't really a huge deal because it was being reported as pays as agreed with equifax but experian reported a 30 day late on it once. Now however, it is showing status of not more than 3 payments past due!!! I am so mad I could scream!!! I need some sort of letter to send to equifax to delete this account now. I have a fax number for Robin Holland and Chris North, the VP of some customer department but I don't know exactly what to tell them!! PLEASE HELP ME!!!
That's what I was thinking. On what grounds though. I am not sure what part of the FCRA this falls under. Do you know of any sample letters I can use as guideline for my own letter? Thank you!!
Thank you, Sorry if it seems like I am hounding you but do you know the FCRA number? Would it be under 611- Procedures in case of diputed accuracy or 616- Civil liability for wilful non-compliance. I am reading through them both and I think I need a law degree to understand their writing. Why can't it be in a plain understandable form for a newbie like me. I am not sure if #611 would apply because the creditor must have verified it with them. So are they the ones responsible for this? I just don't understand how the creditor can verify it with them but not even so much as reply to my letters to them??
Re: Re: I Am So Mad!!! Experts Needed!! I would send an ITS under FCRA 623 - obligation to report correct information, and cite 616 as reason for the damages claimed. Dell has an abysmal record of responding to consumer complaints about their credit activities. I applied for Dell financing and was declined. They pulled my CRA 3 times in ONE DAY. I have no idea what they expected to see happen in one day, but my position is taht teh application permitted ONE pull per CRA - the other two were impermissible. I sent an ITS letter to Dell, which they ignored. Maybe they will also ignore the summons.
Re: Re: I Am So Mad!!! Experts Needed!! Have you tried contact them by phone. I had the same problem, and I hade to constanly harrass the company to submit the correct info to the CA. When I mean harrass, I called them once a week demanding that they submit the info the theCA. They would go on there system and verify that I didn't have a account with them. It took awhile but the info finally was removed from the CR
Re: Re: Re: I Am So Mad!!! Experts Needed!! Yes already tried calling. They just keep saying they show I have an account with them but can't seem to send me any proof that it's mine when I ask them to.
Re: Re: Re: Re: I Am So Mad!!! Experts Needed!! Um, sounds a lot like a case of identity theft to me! Is this an installment account that was used to purchase/pay for Dell computer equipment, or is Dell in the MasterCard/Visa game as well? If this is a retail installment account, in an effort to investigate, why not get them to tell you to what addresses/state they shipped the equipment you supposedly bought with the account? Michael
Re: Re: Re: Re: I Am So Mad!!! Experts Needed!! So what is the reason as to why they cann't send you documentation that you have an account with them?
Re: Re: Re: Re: Re: I Am So Mad!!! Experts Needed!! They show it is for a computer that was purchased in 1999. When I asked they say they show the computer was shipped to my address via UPS. Well my address has been a PO box for over 10 years. UPS doesn't deliver to PO boxes. Also they said they don't have a signature on file for the delivery.
Re: Re: Re: Re: Re: I Am So Mad!!! Experts Needed!! They don't have anything. They said it was opened via the internet.
Re: Re: Re: Re: Re: I Am So Mad!!! Experts Needed!! I would think that you need to send an ITS to BOTH the CRA and Dell. The problem in these types of cases is that both parties will want to point at the other. Since the information is clearly bogus, one of them is at fault, but you really don't know who. It could be Dell providing faulting information (or fraud as was suggested as a possibility) or it could be a screw up in the CRA's records. By pinning both of them, you have your best chance to get some action.
Re: Re: Re: Re: Re: Re: I Am So Mad!!! Experts Needed!! No documentation that you have an account? SAounds like a good reason to ITS then sue - just because they CAN'T defend themselves and they admit it.
Re: Re: Re: Re: Re: Re: I Am So Mad!!! Experts Needed!! I can't get that in writing though. Everytime I call and ask them to send me something saying that they have no record of a signature on file for this debt and no delivery records, they tell me they can't do that. Can I record the phone conversation? Does anyone have a sample letter I can use as a guideline. The ones in the sample letter's section here don't really apply to this situation. Thanks!!
Re: Re: Re: Re: Re: Re: Re: I Am So Mad!!! Experts Needed!! if they can't provide it to you now, they can't provide it in court either.
Re: Re: Re: Re: Re: Re: Re: I Am So Mad!!! Experts Needed!! They should have the UPS tracer number on the shipment. (If they don't, they can't even show they shipped it.) UPS records would likely show what address it was actually sent to, and when it was delivered.
