On my EQ report I have a collection with SYSTEMATIC NATIONAL COLLECTION for PACIFIC MARINE in the amount of $25.. I've never heard of either.. So I know I should dispute this.. but ?? Do I need to find out who this company is and dispute with them or Do I need to just dispute with the CRA.. if so I always wondered, it there a more effective way to dispute with a CRA ( like online vs mail) cuz I dispute a closed account that still shows a balanced.. it showed as verified but it's wrong info.. and now I can't dispute online again.. (this is on EX)
don't make the mistake of disputing with the CRA first. validate with CA first, when you get your green card back indicating that they received your letter (or you can look online now at usps.com and it will tell you when it got there), THEN dispute with CRA. tboy
Ok hope you all don't think this is a stupid question but on my EQ report they don't give me any contact info on SYSTEMATIC.. and I've never heard of them...
How's this for my validation letter... I got it from Everyday Wealth... ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Date Creditor Company Name Creditor Company Address Creditor Company City State and Zip Code Reference account number Dear Sirs: An account from your company is appearing on my credit report. I am not aware of having any account with your company. I request that you investigate this matter and provide me with the following: A legible copy of the original signed agreement for this account, which should show my personal information, as well as my signature Name and contact information of the original creditor, if this account was transferred or purchased Any other documentation verifying the account is, in fact, mine If you cannot or will not provide me this information, then I formally request you send me a letter stating that this account does not belong to me and that it will be removed from my credit reports. Until this matter is cleared up, I firmly request that you stop reporting this account altogether. Please give this matter your prompt attention. Sincerely, Your name here Your current address Social Security Number Year of birth Your phone number if you desire ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
When we got mine and my husbands CR's, there were several CA's that we'd never heard of or from. We've managed to get all but two removed because they couldn't validate. Of the 2 who remain, one company is trying to sue us for a debt that is SOL (can't wait to get in court on that one), and the other is confused as to who actually owns the debt. Been disputing with this second on for 5 months now, and they won't remove it from my CR. So, even if you ask real nice, they probably will continue to report on your CR until forced to remove it. By the way, the letter looks pretty good... good luck!
That sounds like a good letter to me. Doesn't tell them too much and doesn't let them know how much you know.
I sent out my letter Thursday... I got my equifax report for this month and Pacific Marine for $25 show on that one too now... It isn't on my Experian though.. goodness.. so once I get my green card back .. I dispute with CRAs... correct? Iwantblue = theossie F.Y.I.
Re: Re: Unknown Collection on EQ CR Since you've already sent CA a letter, read § 809. Validation of debts. They have 5 days after they receive the letter to send you proper information about the debt. Which means, count 5 days from the date on your GC, give them few more days (for their letter to get to you, if they send one), then dispute it as "not mine" with the CRA, stating that CA has not validated in a timely manner. You may use this or this letter to dispute with CRA, modify whatever is necessary.
Re: Re: Unknown Collection on EQ CR checked online and they received my letter on the 19th... and it just popped up on my EX CR yesterday... last reported 1-1999 .. Date Opened 3-1999.. will be disputing.. in a few more days..
Re: Re: Re: Re: Unknown Collection on EQ CR If I got Butch confused and jlynn with a "Huh???", that's serious ... So, according to the FDCPA: [color=0066FF]§ 809. Validation of debts [15 USC 1692g] (a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- (1) the amount of the debt; (2) the name of the creditor to whom the debt is owed; [/color] Am I missing something???
Re: Re: Re: Re: Re: Unknown Collection on EQ CR Originally posted by vghost They have 5 days after they receive the letter to send you proper information about the debt. . If I got Butch confused and jlynn with a "Huh???", that's serious ... So, according to the FDCPA: § 809. Validation of debts [15 USC 1692g] (a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- (1) the amount of the debt; (2) the name of the creditor to whom the debt is owed; 1*Am I missing something??? vghost ================ 1* 809 is talking about after the consumer has heard from the CA not after the CA has heard from the consumer.
Re: Re: Re: Re: Re: Unknown Collection on EQ CR It is said "[color=0066FF]... after the initial communication with a consumer ... a debt collector shall ...[/color]". Call me stupid, but where exactly does it say that the debt collector must initiate the contact?
