Joining the TU frivolous club

Heres the letter I used to get TU to delete the 'frivolous' account.

I am in receipt of your letter dated 00/00/03â?? you state that your goal is to maintain complete and accurate information, you also state that my continued attempts to have IdiotCreditor removed from my file is â??frivolousâ?. You continually profess that IdiotCreditor has verified the information contained on my report as true and accurate, and if I would like to contact the creditor I should do so. I have. I also disagree with you investigation. My actions are not frivolous and as a consumer I have rightsâ?¦those rights as mentioned in the Fair Credit Reporting Act state that any creditor must fully validate an account if ask to do so by a consumer in a matter not exceeding 30 days â?? and during this time of investigation the creditor may not verify with collection reporting agencies until a complete and thorough validation is proven that debtor in question does so owe what is stated.

IdiotCreditor has failed numerous times to validate this account with me â?? they have not proved this account is mine even after three certified letters from me asking for validation.
Verifying my name and address does not prove I owe them anything â?? I demand proof of your investigation and a full deletion of this trade line from my credit report.

You should also be aware that reporting such invalidated information might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. I have also filed a grievance with the ACA regarding this matter and Iâ??m prepared to litigate in a court of law your direct violation of my rights according to the FCRA.

Upon completion of the changes, a copy of the corrected credit report and updated credit scores should be forwarded to me as specified under Federal guidelines. Time is of the essence in correcting these errors â?? please do so at your speediest convenience.