I have 2 collections and one charge off with a certain CA. They were placed on my report 01/01, 11/01, and 10/02. I just sent a validation letter to them 3 weeks ago. No response to verify they are mine, just sent me a bill for one of the debts they list. Then today TU sends me a report showing the "outcome" of their investigation which shows these three debts as verified as of 09/03. They say dispute resolved customer disagrees. Now c'mon.....they must have had some violations here so far! I can see three. Am I wrong? Can you tell me what I should do? Jlynn, I told you about this a week ago and you said be paitient. You said that I should wait for more violations other than the continued collection they did by sending me a bill after I sent validation request. Only thing I see wrong with that is that I didn't dispute within thirty days of them receiving the accounts and so have thus lost the opportunity to hold them accountable for continued collection after the validate letter was sent....make sense? SnakeMan
LOL....c'mon!!! I need help here people!! I needs to know da goods on deez foolz!! Seriously, if someone could please help me, well, you know the rest... SnakeMan
<BUMP> ANYBODY??? TU assumes what they do is RIGHT because they ANSWER TO NOBODY!!! BUT they might lose $1,000 or more (SMALL CLAIMS COURT)...BUT THEY DON'T CARE...THEY GET TONS OF MONEY FROM US BECAUSE WE MUST CHECK FOR THEIR MESS-UPS!!!
Re: Re: Question about CA verif'd debt/CRA Yes, GEORGE, as always your so elequently truthful. But see, I have a real problem here because I am not familiar with this situation and I KNOW there are people here who could be helpful. So if anyone here could please help me address this issue at hand, I would be forever greatful. SnakeMan
Re: Re: Question about CA verif'd debt/CRA 10/07/2003 SnakeMan Anywhere possible Anytown USA Collection Agency P.O. Box 666 Somewhere MI 66666 Dear Sir/Madame, I have tried to work out a way for both of us to get what we want. I called you last week and you did everything possible to avoid settlement of the accounts you allege I owe. You said that you would call me the next day by 4pm to let me know what was going on with at least one of the accounts and you did not call. I am beginning to wonder if this is somehow â??personalâ? to you. The fact is, I am filing suit against your collection agency within 7 days from confirmed receipt of this letter unless you contact me by mail or phone. You need to realize that I have been keeping tabs on you. I have evidence to support at the very least, three FCRA violations, and at least three FDCPA violations. Hereâ??s what you have told me on the phone: â??If these debts are not yours, why did you pay on them?â? So what youâ??re telling me is if I send you a bill for $200.00 and you pay me $10 then that means you automatically owe me $190.00? According to the FDCPA, and several FTC opinion letters, payment on an account does not constitute an acceptance of the consumerâ??s responsibility, nor does it serve to dismiss a consumersâ?? right to send a request for validation. Against my better judgment, I will give you a â??heads-upâ? on your violations. This is usually a bad thing as it affords one the potential to be able to â??find a wayâ? out of the problem. Fortunately for me (unfortunately for you though), I have everything documented with certified mail return receipt green cards, as well as your letter to me and later, TransUnionâ??s claim that you have verified a disputed debt with them. Violation 1. FDCPA section 807. False or misleading representations [15 USC 1962e] Paragraph 8 states: Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. From the most recent copy of my TransUnion report (I will have pulled my other reports from Equifax and Experian by the time you get this letter), I can only surmise that either you didnâ??t divulge that these debts were disputed (violation), or, you verified them, again a violation. TransUnions most recent report shows that the accounts are now listed in the status as â??verified, customer disagreesâ?. The verified dates given are 09/03. If these are also verified through Experian or Equifax, or you did not tell them that these accounts are in dispute, this+ would be an additional 3-4 violations per credit reporting agency. Violation 2. FCRA section 623. Responsibilities of furnishers of information to consumer Reporting agencies [15 USC 1681c-2] (3) Duty to provide notice of disputes. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. FDCPA Validation of debts [15 USC 1692g]: (C) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. As you can clearly see, I have no reason to work with you any further to resolve this matter except that I am not a litigious person and would like you to do the honorable thing here. You have afforded me an opportunity to litigate by your own disregard for the law. Time and time again I have tried to settle this whole matter by simply paying this debt you allege I owe, in exchange for your complete deletion of all references to all three major credit reporting agencies regarding these alleged accounts. You say that you cannot delete these accounts from the credit bureaus records, but this is not true. Just as the law says that you have the right to report a debt to a credit reporting agency, you also have the right not to. Yet for some reason only known by you, you have refused to do what is right and what is lawful. Please note that this letter is not a renewed promise to pay, nor is this letter to be construed as an acknowledgement of any debt your agency claims I owe. If you would like the opportunity to settle this matter amicably, you should know that this is your one chance to do so. After the 7 day period I mentioned earlier has expired, I will file suit against your agency for the full amount afforded me by the FDCPA and the FCRA; I will withdraw my offer to settle; And I will file complaints with the FTC, Michigan Attorneys General office, and the Better Business Bureau. Regards, SnakeMan
Re: Re: Question about CA verif'd debt/CRA You wonder if I feel dumb responding to my own post??? ...Yes, yes I do. BUMP SnakeMan
Re: Re: Question about CA verif'd debt/CRA Bump rif'd debt/CRA THE END ** *** ** LB 59 """"```--~~~~~~~~~--```'""'''
