my letter

Hello,

I'm getting ready to write my very first DV letter to the CA from hell. This "Gen Mgr" of this CA called yesterday threatening all kinds of things. I should add that the whole reason this man and this CA is so pissed off is I busted them adding a duplicate TL to my and H credit reports after I disputed the original TL with the CRB.

The CRB deleted the second, bogus TL the day I called them on it. I asked the CA why they did this and they called me a liar and said I had no proof of anything. Um, yes I do I told the idiot GM. I have the CR showing it and at least 25 prior CR for the past 3 months. It wasn't on those.

It only showed up after I disputed. They changed the acct# and the amt now due by just a tiny bit to confuse the half-brain moron at the CRB. Anyway, this guy flipped out. Called H at work and threatened all kinds of things.

I checked out the FDCPA and found at least 3 violations from just yesterday's phone call. One of the violations is section 808 which reads, in part, "CA's cannot take or threaten to take any personal property without a judgement." Does this include wages? Are wages considered personal property?

Anyway should I include the violations in the DV letter?


Thank you,

Jane