Hey folks, I'm ready to bring the hammer down on these bozos, but would appreciate some feedback on the letter if any of you have the time. Thanks, smog July 17, 2002 XXXX Financial Services, Inc 1234 Main St, Suite 200 Anywhere, CA 12345 RE: Account XXXXXX-X Certified Mail # Attn: On June 12, 2002, XXXX Financial Services received my first dispute of this alleged debt and my request for debt validation. The Domestic Return Receipt was signed by XXX XXXX. I received copies of an accounts/receivable ledger and some itemized computer-generated printouts. On June 24, 2002, XXXX Financial Services received my second validation request. The Domestic Return Receipt was signed by XXX XXXX. Again, XXXX sent nothing but computer-generated printouts. I am tracking all correspondence by Certified Mail, Return Receipt Requested. XXXX Financial Services failed to include the statement "This is an attempt to collect a debt. Any information obtained will be used for that purpose. Unless within 30 days of your receipt of this notice, you notify us that you dispute the validity of this debt, it will be assumed to be correct. If you notify this office within thirty days that you dispute the validity of the debt, we will obtain verification of the debt or a copy of the judgment. If you request it within 30 days, we will provide you with the name and address of the original creditor (if different from the current creditor)" on correspondence sent to me. XXXX Financial Services has failed to provide validation as required by the FDCPA Section 809. XXXX Financial Services failed to have the credit bureaus note this account as â??in disputeâ? as required by the FCRA Section 623. XXXX Financial Services continues to report this account on my credit reports and verified this account with the credit bureaus in violation of the FDCPA Section 809(b). XXXX Financial Services continues to attempt collection of this debt while it is in dispute in violation of the FDCPA Section 809(b). XXXX Financial Services pulled a hard inquiry on my Experian credit report after I requested validation in violation of the FCRA Section 623. XXXX had no permissible purpose and this was a purely retaliatory inquiry designed to punish me for disputing an alleged debt. This inquiry was pulled the very same day XXXX received and signed for my second request for validation. Because of XXXXâ??s egregious behavior I am unable to obtain credit, rental housing or a residential mortgage at favorable rates due to your reporting of this alleged debt. I hereby demand that you delete this account from all my credit reports immediately. I also demand that you remove your inquires from my credit report as you had no permissible purpose to view my report. Please mail to me evidence of deletion of this account from all credit bureaus by July 22, 2002, at the address below. Should you again decide to ignore me, I will have no choice but to exercise my legal options. If I must pursue legal remedies, I will seek all relief provided for me under the FDCPA. You may choose, however, to avoid the time and costs involved with litigation by sending your check for $5,000 to me at the address below. I look forward to a prompt and amicable resolution of this most important matter Sincerely, Copies faxed to: FTC at 202-326-2012 CA Attorney General at 916-
I like it. It's clear, concise, and gets right to the point. Good letter, and good setup of facts of violations.
mind, Thanks, I hope you meant the first letter. The second one with the names was a goof. I had to edit it out. smog
Dear Smog, I like it too. I would add one thing tho. "On June 24, 2002, XXXX Financial Services received my second validation request. The Domestic Return Receipt was signed by XXX XXXX." {add the date they received it} Like: On June 24, 2002, XXXX Financial Services received my second validation request. The Domestic Return Receipt was signed by XXX XXXX. You recievd it on xx/xx/xxxx. Good luck, keep us posted.
