Nutcase Letter Responsepinions? I sent Doc's Litigous Nutcase letter with some minor changes to an original creditor on a closed, paid account. It's showing multiple late pays. The response is pretty generic. Any ideas on the next approach? ------------------------------ Dear PAT: We have received your request to update credit information on your credit report. Our records indicate that the information appearing on your credit report is correct. If you wish to add a brief statement of explanation to your file, you may contact the credit reporting agencies to whom we report your account information. This will become part of your credit record which they retain. The agencies we report to are: EQUIFAX CREDIT INFORMATION SERVICES PO Box 740241 5505 Peachtree Dunwoody Road Ste 600 Atlanta, GA 30374-0241 1-800-685-1111 EXPERIAN PO Box 2002 701 Experian Parkway Allen, TX 75013 1-888-397-3742 TRANS UNION CORPORATION PO Box 1000 2 Baldwin Place Chester, PA 19022 1-800-888-4213 We have reported the above account in dispute. Please allow thirty (30) days for the agencies to update their files before you request a copy. We look forward to providing you with the best possible service. Sincerely, Orig Creditor
Re: Nutcase Letter Responsepinions? Bump... Any ideas, anyone? I don't really have a suit at this point. They did ignore what I was asking for but I don't believe they are obliged by law to give me the validation I was asking for.
Re: Nutcase Letter Responsepinions? Are they reporting the same information on each of the three bureaus? If it is not exact (which it usually isn't) then it seems to me that they are not only knowingly reporting false information, but they are admitting to it. Sounds like you can begin building your case on this premise. Just an opinion...any thoughs?
Re: Nutcase Letter Responsepinions? Sounds like a good idea. I'll have to check when I get home. I'm thinking that it is a little different on one of the CRs, now that you mention it.
Re: Nutcase Letter Responsepinions? Since nobody wants to reply to my post (200 views) I'll jump in here (if you dont mind) just because I have the same case pending with the only difference that I didn't receive the reply from the creditor yet. My report have not changed, but as one of you stated they report different info every time I dispute it (twice within a year) and as of right now each of them reports something different. Would that apply to me? If so, Pat, let's get them!!
Re: Nutcase Letter Responsepinions? Damian, My initial thought here is, if they are reporting differently on the 3 CRs (Thanks again Andrew for this train of thought), then I will adopt a portion of the "Son of the Nutcase" letter and send it to them next. They have said they are reporting correctly. If they aren't, then I will point out their specific infractions, giving them them the opportunity to delete or be sued. I think the trick here is not to tell them exactly whats different on which CRs, but just that there are differences. Hopefully they will pull a hard inquiry to find out, then I'll have a solid lawsuit. Obviously, they could just update all 3 with their current info. But I will also let them know that even if they fix it, I have proof of the previous infractions, so in order for me not to sue, they need to delete or update to never late. I think this is all pretty light for a lawsuit, but it's worth a shot as a threat. Heck I'll probably go ahead and follow-up with the lawsuit if necessary. Of course, this is all pending that the tradeline has some differences on at least one of the 3 (fingers crossed).
