What letter can I send equifax?

When you disputed the items, Equifax had 30 days in which to "verify" the accuracy, completeness, etc. of those items. Have you sent a validation letter to the OC or CA? If not, search through some of the threads and find a sample validation letter. Make sure you have the appropriate docs to prove your position.

You should also be prepared to sue. As such, locate a sample intent to sue letter and be ready to make good on your threat.

 

Well, sorry I can't help - but I'm looking for an answer to a similar question. I have an account with Equifax (CSC- gag) that was verified with numerous lates last December. All of the sudden it shows up in dispute again in February (I didn't dispute again) - and has been showing that way for 90+ days. I want this item deleted BAD! I too am looking for a way to use this to get them to delete. Anyone?? Possibly a letter demanding deletion since it has been 90 days? I don't want to even mention the fact that I didn't re-dispute it. Just want them to delete.

 

Have you sent a validation letter to the OC or CA?
1*If not, search through some of the threads and find a sample validation letter
2*Make sure you have the appropriate docs to prove your position.
3*You should also be prepared to sue. As such, locate a sample intent to sue letter and be ready to make good on your threat.
kickman
==================
1*Here it is no search needed to find it.
Here is the Val. Letter you want to send.
Don't make any changes on it and don't hand sign it.

Your Name
Address
City State Zip

Company
Address
City State Zip

Date

RE: Account #_________/Original Creditors Name

Dear Sir/Madame:

Thank you for your recent inquiry. This is not a refusal to pay, but a notice that your claim is being disputed. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please complete and return the attached disclosure request form.

Be advised that I am not requesting a "verification" that you have my mailing address, I am requesting a "validation;" that is, competent evidence that I have some contractual obligation to pay you.

You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law. You may wish to consult with a competent legal advisor before your next communication with me.

Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees.

Sincerely,


Your Name don't sign


- - - Include the following on a separate sheet of paper - - -


CREDITOR DISCLOSURE STATEMENT



Name and Address of Collector (assignee): _________________________

Name and Address of Debtor: ____________________________________

Account Number(s): ____________________________________________

What are the terms of assignment for this account? You may attach a facsimile of any records relating to such terms.

Have any insurance claims been made by any creditor or assignee regarding this account? YES/NO

Has the purported balanced of this account been used in any tax deduction claim? YES/NO

Please list the particular products or services sold by the collector to the debtor and the dollar amount of each:


Upon failure or refusal of collector to validate this collection action, collector agrees to waive all claims against the debtor named herein and pay debtor for all costs and attorney fees involved in defending this collection action.

________________________________
Authorized signature for Collector

Date_______/_______/_______

Please return this completed form and attach all assignment or other transfer agreements that would establish your right to collect this debt. Your claim cannot be considered if any portion of this form is not completed and returned with the required documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. If you do not respond as required by this law, your claim will not be considered and you may be liable for damages for continued collection efforts.

2*Such As?
3*Suing should not be considered before completing the validation process.
To sue you need to set up a paper trail to get all your ducks in a row.

 

1*Well I didn't send a validation letter to the Credit Bureau because I know they don't have my current address and I didn't want to give it to them.
2*Equifaxit the Credit bureau voluntarily asked them to note the account as consumer dispute.
3*Isn't there a time frame as to how long a credit bureau can note an account in dispute,
4*at some point they should come up with some proof right.
queen-iam |
================
1*Why would you send it to the CRA when the Al L is for a CA?
2*This makes no sense. CRAs don't investigate other CRAs. Nor do they report to other CRAs.
3*You set the time limit according to what actions you take.
4*Depends on how far you push them.



THE END ** *** ** LB 59

 

How long can CA list in dispute.

How long can a CA continue to report to CRA consumer disputes.
queen-iam
================
Until you sue them to get it off.
THE END ** *** ** LB 59