Hi folks could you please review the letter below. I would greatly appreciate any advice and suggestions that you might have. This letter is being sent to Health club who states that I signed up for a membership in June of 2003 and is being reporting to all the bureaus. When I called to speak to the manager regarding the account he states that the last date of activity was in 1998. I then went on to explain that I have never signed up with their organization. Anyways here is the letter. To whom it may it concern: It has come to my attention that you are reporting to all the credit bureaus that I have an account with your organization that is seriously damaging my credit file. I have not signed any documents to join your facilities. I am requesting proof that I have joined your organization. Note I am not requesting validation of my address. Please have this derogatory entry removed from my credit file with all the credit bureaus and other organization that are representing you on your behalf immediately.
Did you request validation through the CA (presuming that it is through a CA)? This is the first step; the key is that the OC doesn't have to validate in most cases, only in a few states is there a requirement for the OC to validate. This letter to the OC may not hurt, but if you aren't in one of the states in which an OC is required to investigate, it won't help in most circumstances. Also, if there is a CA involved, and the CA is the one who is actually reporting the account to the CRAs, the OC itself may not be responsible for the reporting itself, as the CA is as being a data furnisher. The OC is the original source of the information, but the CA is the actual data furnisher. The OC may be able to be held responsible in certain circumstances if the account was assigned to the CA.
