Should I send this to the CA, OC, and CB's? I already disputed as not mine online with the CB's. I don't it will hurt if I send this also? What do you think? Content? Subj: Verification of Debt, request for RE: Account #________________ To Whom It May Concern: This letter is to inform you that pursuant to Title VIII, Debt Collection Practices, § 809 of the Federal Trade Commission and 15 U.S.C. § 1692g, I am hereby registering a formal request for Verification of Debt. All three credit bureaus are reporting this account on my credit report with a balance of $2950. I am disputing this debt because this debt is NOT mine. The account in question listed has the original creditor of Equitable Gas opened 09/05/2006 and now currently being shown as collection account with NATIONAL RECOVERY AGENENCY. I previously verbally disputed the account with your company and online with the credit bureaus as "not mine" but it came back as verified. I have never had an account with your company or any other gas company for this matter. Please delete your information from my credit reports. If someone has opened an account in my name, it is unauthorized and fraudulent and needs to be investigated further. Please close it immediately before further harm is done. I am requesting that you notify all credit bureaus that this account is "disputed" or that you delete this account until this matter is resolved. This is required by the Fair Credit Reporting Act. If there is any paperwork that I need to sign to confirm that this account is not mine, please send me the required documents. Please validate this debt, according to the guidelines of the Fair Debt Collection Practices Act to itâ??s entirely. If it can't be validated please remove! This is a written dispute of this account per the Fair Credit Reporting Act, the Fair Debt Collection Practices Act and the Fair Credit Billing Act. Please be aware that I am exercising all of my rights per these laws and all other applicable laws protecting me. Sincerely, (Your signature) (Print your name here) (Print your address here) (Your SSN here)
If it is not yours then do so, but if you are trying to remove it from your credit report by doing so it will be more complicated than just a letter to the CRA. Again if it is truly not yours contact the credit card company but they will require a few things from you such as signature samples, police report etc.. before they will remove. also a letter such as this might freeze your report for 90 days
