Ok, that does make a difference.......thank you for clarifying.
Here is a letter that I snagged from another credit board that I used a while back. It will, at the very least, make a good paper trail if you have to push things further.
RE: Account #
CERTIFIED MAIL RETURN RECEIPT REQUESTED #
Dear creditor,
You are inaccurately and incompletely furnishing information regarding the above-referenced account to the CRA's in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which you are responsible.
I dispute your information in its entirety and request evidentiary documentation that substantiates the information you have furnished and its reporting.
Should you not be able or willing to provide me with the substantiating documentation as verification to cure this violation, within the next xx days, please have the information deleted from each of the CRA's you initially furnished it to or, alternatively, do not respond to the next dispute that I initiate through the CRA's
*******(or instead of the last sentence above: I will have no recourse but to consider legal action as a resolution)
Nelson v Chase Manhattan, 2002 provides a cause of action for individuals against furnishers of information.
Sincerely  |