I have had success removing about 8 accts from my CR using the validation ltr. However, the original creditors that have not used a CA will not budge. They just ignore my cries for validation. When I call they say the account has been sold or transferred and they no longer have any record. They then made a change to the CRA so that my acct now reads - Actt transferred or sold. $ XXX written off/charged off. I have 5 accts left. Since they are not governed by teh FCPA I just don't know what else to do. Any takers? Any advise or info would be greatly appreciated.
I'd write a letter to the individual creditors corporate offices. Explain to them you do not recall this debt, you have tried to resolve the matter amicably, but are told by their representatives no account information, proving the account is yours exists. Ask how they can sell/transfer/charge off an account that they cannot prove is yours and remind them that they have a requirement to provide only accurate information to credit reporting agencies. If they can't prove the account, how do they know the information is accurate. Send it certified/rr and wait for a response. If they respond in writing that they cannot provide a copy of your application etc, try sending this to the Credit Reporting Agency reminding them that they cannot be verifying an account that the creditor cannot prove exists. Might not work, but its worth a shot.
