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Need help rewording a paragraph

Discussion in 'Credit Talk' started by dolphin, Mar 9, 2004.

  1. Mar 9, 2004 #1
    dolphin

    dolphin Member

    I need help rewording a paragraph. I got the letter originally from some one on this site. It was originally a validate letter for a CA. I have changed the first paragraph to reflect that it is a validation to the OC based on information from my credit file. The 2nd paragraph is about mail and telephone calls and really doesn't apply so any help will really be appreciated. Here are the 1st 3 paragraphs of the OC letter. Thanks in advance!!

    While reviewing my credit reports from the three major credit reporting agencies I have come across entries by your company in my credit file. Since you have made these entries I am requesting a "validation;" that is, competent evidence that I have some contractual obligation with your firm pursuant to FDCPA § 809, Validation of debts [15 USC 1692g].

    You should also be aware that making unsubstantiated demands for payment through the United States Mail and/or Telephone Systems might constitute fraud under federal and state law. You may wish to consult with a competent legal advisor before your next communication with me. Please complete the Creditor Disclosure Statement and provide the following information, return same to me within specified time period, infra.

    1. Please evidence your authorization under 15 USC 1692(e), 15 USC 1692(f) and 15 USC 1692(g) in this alleged matter (no written communications as stipulated in 15 USC 1692(g) have been received).
    2. What is your authorization of law for your collection of information?
    3. What is your authorization of law for your listing of this alleged debt?
    4. Please evidence your authorization to do business or operate in the State of Illinois.
    5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

    If anyone would like the full letter don't hesitate to ask by private email and I will send the full text as a word attachment.


    Kind regards,
    Dolphin
     
  3. Mar 10, 2004 #2
    jlynn

    jlynn Well-Known Member

    OC's are not liable under the FDCPA - those cites won't do much for you.
     
  4. Mar 10, 2004 #3
    dolphin

    dolphin Member

    Hi Jlynn;

    Thanks for your response. I realize they are not obligated for a couple of those namely 1 & 2. However, I've noticed in many of the posts about the OC's that they really don't know what they're doing and maybe pushing them a little might get some information useful to getting them off the CRA listing. I know of a couple of situations where I know I didn't sign anything.

    I remember one of Butch's posts about OC's to send them validation "anyway", wait 7 days after they get the letter then verify with the CRA, then estoppel and ITS in 7 day increments and hope they incriminate themselves.
     

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