MBGA/JCPenny, PaidC/O, Goodwill?

Send nutcase latter #1

Originally written by Doc I think

Date

Name of Old Fully-Paid Acquaintance Address City, STATE ZIP

To Whom It May Concern:

I am formally requesting that you validate all tradeline notations you have submitted to the three major credit reporting agencies by NAME OF COLLECTION AGENCY or NAME OF ORIGINAL CREDITOR for me, YOUR NAME, for account number XXXXXXXXX.

Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline.

I have enclosed two documents which will verify my address: a photocopy of a [YOUR STATE] Driver's License and a photocopy of a recent [NAME OF UTILITY OR TELEPHONE COMPANY] statement.

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes.

I look forward to a timely and amicable resolution to this matter.

Sincerely yours,

Your Name Address City, STATE ZIP

you should send this with certified mail with RR.

when you get the green card you can send nutcase 2 and 3.

meanwhile you can send a precedural latter to CRA as well.
Originally written by Grendel

CRA
CRA's address

Grendel
Grendel's Address

Date

RE: Investigation # with Scumbag CA

Dear Lazy CRA,
This is a formal request for evidence aquired during your verification process with scumbag CA. I am requesting this information because I have validated with the scumbag CA and have received nothing. I have sent them a Doctrine of Estoppel letter and they still continue to verify with lazy CRA. FDCPA or FCRA requires them to validate with me, if they wish to continue reporting this inaccurate tradeline. FCRA requires you to be 100% accurate with information you report. FCRA also requires you to provide procedural investigation evidence if requested. If they won't validate, how were you able to verify according to FCRA regulations?


I have included copies of sent correspondence with scumbag CA, including CRRR receipts.
Please note that I have retained an attorney and I will go forward with a law suit. Damages are easily proven, as I have been charged higher interest rates on credit cards, mortgages and auto loans. This has gone on long enough. This is also my last effort at an amicable solution.
Prove you accurately verfified this account within 15 days, delete it or see me in court with my attorney.
Thank you for your time and attention in this matter,
Grendel

CC: Better Business Bureau, Attorney General My State, Attorney General their state, FTC

 

I had luck with a goodwill PFB. My account was paid/charged off in 1997. They sent me a letter saying that they didn't have the records any longer and were deleting it from my credit reports.

If you'd rather call or write someone specific, the person that helped me was:

Jannette Sheppard
Senior Client Affairs Specialist
PO Box 271324
Tampa, FL 33688
972-334-1057

 

mrayd7534 ,
How long it took after you sent the letter?

 

Re: Re: MBGA/JCPenny, PaidC/O, Goodwill?

I sent my original letter through PFB on April 8, she called me on April 10 asking for additional information, sent an acknowledement letter on April 11, and sent the final letter on April 21.

It was fairly quick. It probably wouldn't have taken so long except they didn't show that the account was paid, so I had to send her copies of my credit report with the tradeline listed as being paid.