And give me your thoughts! It is for my ccc that is reporting a 30 day late when I have never paid late. I recently disputed it, but it came back verified. Therefore, based upon my review of all of the posts this appears to be the next thing to do. Also, please advse if this also the next appropriate action to take Thanks in advance your help! ____________________________________ July 10, 2002 My Name My Address My City, State Zip CC Name CC Address CC City, State Zip RE: Account #XXXXXXXXX To whom it may concern: I have recently received a copy of my credit reports from Equifax, Experian, and Trans Union. These reports had my credit card account listed with your company as being 30 days late during January 2001. I disputed the account with the credit bureau as â??as never being lateâ? but it recently came back as verified. I am writing this letter to you in an effort to get this removed. Please delete this information from my credit reports, as I have never been 30 days late while maintaining an account with your company. I am requesting that you notify all of credit bureaus that this item is â??disputedâ? or that you delete the 30 days late notation from account until this matter is resolved. The Fair Credit Reporting Act requires this during a dispute. In addition, please provide me with the appropriate documents, if any such exist, that indicate I was ever 30 days late with your company. This is a written dispute of the 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, Unhappy cc Customer
Sounds good...nice and simple. But it says it. Only you should remove the FDCPA reference since this is an OC and they are not bound by the laws of the Fair Debt Collection Practices Act. -Peace, Dave
I wouldn't tip the hat by telling them they need to add "in dispute" to your credit reports per FCRA. They should already know this and are bound by this law anyway. Just always tell them you are in full dispute over the information they are reporting to the CRA's about this account. You do not want to remind them of adding this or of any laws they need to follow as they should already know this. If they didn't know or forgot and you told them about the notation of "in dispute" they would just add it and then you wouldn't have them on an easy and most common violation of the FCRA. Thats just my 2 cents, the rest of the letter sounds great! Tac
