I sent validation and they sent back copies of the statements for the account, no original app. I sent the estoppel to an original creditor regarding a charge-off I had with them. I had sent validation and then the estoppel. I CRRR to the the legal dept. I got a response back yesterday that they are researching and will get back to me. It was hand signed by an employee. I also got another envelope and it had the letter for someone else. It was for a guy from the Bronx regarding his Macy's account. They were taking it off his credit report. It is a mistake that they would send me someone else's mail. okay, what should I do?? 1. call this employee and tell her that if they don't send copies of the original app. I will file a lawsuit. 2. then mail her a letter CRRR telling her that I will file a lawsuit. (an intent to sue letter) 3. call and offer payment for deletion. (I did this in Oct. then I found the board and started sending validation letters instead.) 4. get in touch with the other person and let him know they sent me his mail. 5. call her and let her know she sent someone else's mail and try to blackmail her into removal. I'm grasping at straws here. This is the original creditor and I don't have them any violations, I think. I have disputed before and it came back verified and I am disputing right now with equifax. Experian refuses to investigate. It is only showing on 1 credit report as in dispute, not on all three, would that be grounds for a lawsuit? I could put together an intent to file suit letter and post it for opinions but that would take me a few days. I have read the FCRA and FDCPA. I understand the FDCPA but I am having a little trouble with the FCRA and how it relates to original creditors. Could you point me in the right direction? I'm leaning towards the intent to file suit letter without the phone call.
