An exerpt from a letter received today... From the PRESIDENTS office of an OC that I've been fighting with since last SEPTEMBER. "A statement was not generated after charge off, to reflect these charges; therefore, they cannot be verified."..."Since statements are not generated on charged off accounts it will be your responsibility to track the balance unit [sic - until] paid in full." I am still trying to figure out where in the FCBA, FCRA, and FCDCPA it states that it is the consumers responsibility to track the balance of the account. One good thing, is that the letter from the presidents office shows yet a third 'amount' as the balance of the account, and this third 'amount' is even less than their final alleged reporting to the CRAs... (almost another $100.00 discrepancy that they chipped away from the account 'balance'.) My response, paraphrased, thank you for admitting that your company is in violation of the FCRA, in accordance with 15 U.S.C. § 1681i (5) Treatment of inaccurate or unverifiable information, you must delete all your company's trade lines at once.
Well, I decided to go from using the sledgehammer delete at once order (that was what i had been asking for), and go down the *GASP* more subtle road. I can't even believe that I'm choosing the subtle road.
