Dear Sir/Madame: THIS IS NOT A REQUEST FOR AN INVESTIGATION. You have not responded to my last letter regarding my consumer right to obtain a procedural request under the Fair Credit Reporting Act for the items below. I am disappointed your company fails to meet the standards set by the Federal Trade Commission and THE LAW. I expect you to delete the items below immediately without hestitation because you have not complied with the Federally Mandated Procedural Request under the Fair Credit Reporting Act. I would have been happy to receive a letter outlining each item in detail and the REASONABLE PROCEDURE followed for each item attempting to verify its accuracy. Since I was never able to get verification from these companies, I don't suspect you did either. Here is an example of reasonable procedure and compliance which should be sent to consumer if procedure is asked: Company Name: Best Buy, 123 happy st, New York, NY 21010 Account #: 1234567 Resonable Procedure: Mailed a letter to Best Buy 1-2-03, Received a response 1-26-03 Attachements: Letter sent to Best Buy, Letter received from Best Buy Here is the thing. People can spout off and say whatever they want. If you would have shown me detailed evidence at all of a proper procedure, I would not be writing this letter. But you chose to ignore me. I am enclosing the original letter sent to you on 1-2-03 with all documents and the CERTIFIED MAIL reciept saying you received my letter. If you chose to ignore me again, you give me no choice but to file suit with the District Court for WILLFUL NON-COMPLIANCE. I expect to receive a free copy of my credit report as soon as you delete the following items: midland crumbballs sherman rat bastards Thank you for your cooperation, Smedly Johnson -Kaladin EQ 624 EX 572 TU 656
What do I think? I think its a bit too wordy. Lets see if I can improve it a bit. A couple of spelling errors or typos too.
The only problem I see is with your "example" of what they need to provide to you. They are under no obligation to supply you with copies of anything they sent a creditor or anything they received in response from a creditor. Only a description of how they verified and with whom.
The original letter is good. Bill's is better. But, I don't believe either will get the deletions you want. An ITS might and a suit probably would. That said the letter can't hurt much but it will make you look foolish if you don't then file suit. I have no idea if you have enough violations for a suit yet. In any case good luck!
