Validation Letters

[chane]

http://aaacreditguide.com/credit-rep...s/letter1.html

http://aaacreditguide.com/credit-rep...s/letter2.html

http://aaacreditguide.com/credit-rep...s/letter3.html

http://aaacreditguide.com/credit-rep...s/letter4.html

If you find any other great letters, please post them in this thread!

[CreditCrisis]

would it be okay to send multiple account numbers at once to the debtor if they claim more then one debt is owed? i have 2 or 3 to HSBC. So would i be able to include all account numbers in the one validation letter?

certified mail gets pricey

[chane]

Originally Posted by CreditCrisis

would it be okay to send multiple account numbers at once to the debtor if they claim more then one debt is owed? i have 2 or 3 to HSBC. So would i be able to include all account numbers in the one validation letter?

certified mail gets pricey

Yes, that should be fine.

[Trish]

Hi.
I just thought I would bring this over here so it wouldn't get lost. It's a 2nd DV letter to use in case a CA continues collection or refuses to validate. In my case it was both.....so please modify it to fit your situation.

Date
My Name
My Addy


Dummy CA
CA Addy


Re: Acct # xxxxxxxxxxx

To Whom It May Concern:

I am sending this letter certified mail # xxxx xxxx xxxx xxxx xxxx to ensure that you receive it.
I have received two letters from you dated xx/xx/xxxx yet your offices have failed to provide me with proper validation. I sent you a letter on xx/xx/xxxx, certified mail # xxxx xxxx xxxx xxxx xxxx, which you signed for on xx/xx/xxxx. You have not supplied sufficient evidence that the alleged debt is mine.

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine.

You have fifteen (15) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter in error, and that this matter is permanently closed.

Either provide the proof or correct the record to remove the invalid debt from my credit files with the three primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act.

I also would like to request that no additional telephone contact be made by your offices to my home as it is inconvenient for me. If your offices attempt telephone communication with me again, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered collection activity. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.

Best Regards,

Me

[CreditCrisis]

by the way trish, this letter is the one i sent to that company that i now have help from an attorney with. so thanks for the great second step!

[Trish]

Hmmmm.......hope this is the right thread for this one.

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,

Your name


Or you could use some version of this letter, depending on how strong you want to read and your intended follow-through, Or use this as a second letter for a better papertrail:


your name
address field 1
address field two

month day, year

name of original creditor
address field one
address field two

CERTIFIED MAIL RETURN RECEIPT REQUESTED #
RE: ACCOUNT NUMBER AS IT APPEARS ON YOUR REPORT

Dear OC:

You are inaccurately and incompletely furnishing negative information regarding the above-referenced account to the major CRA's in violation of the reporting requirements of the FCRA and for which you are responsible.

I have previously disputed the above-referenced account and its reported information with the consumer reporting agencies, without resolution.

I dispute your information in its entirety and request evidentiary documentation that substantiates the information you have furnished and its reporting, including the required commencement of delinquency date, as verification of the information you have provided and its present reporting.

For your benefit and as a gesture of my goodwill, I have enclosed the FTC's required informational disclosure entitled, Credit Reports: What Information Furnishers need to know which defines and clarifies your responsibilities and potential liability as an information furnisher.

Should you not be able or willing to provide me with the substantiating documentation as verification of the present reporting, to cure these violations within the next 30 days, please have the information deleted from each of the consumer reporting agencies that you have furnished it to as required.

Should you again fail to fulfill your mandated duties and responsibilities, I will have no other recourse but to consider bringing legal action against Ford for its continued non-compliance and violation of the FCRA, under which is provided an individual cause of action for enforcing its provisions.

I expect final resolution of this matter within 30 days and look forward to receiving written confirmation of my request as well as written confirmation of Ford's intended actions.

Sincerely,

Your name

*courtesy of Sassy @ CB

I have used these letters a couple of times. It doen't always work but at the very least it gives you a papertrail if you need to take it a step further.

~Trish

[SHANNA8102]

Getting The Original Creditor to Verify You Owe the Debt or Were Actually Late

Debt validation does not work with the original creditor, only with collection agencies. The only way you can get an original creditor to budge on responding to you via snail mail (so you can send it certified) is to tell them you will sue them for defamation if they can’t prove that you were actually late or even that you are on the account. This letter is perfect for those people who are trying to get “Authorized User” accounts off of their credit reports. The court case cited in the below letter is included in this CD under Court Cases.


Company
Address1
Address2
City, State Zip

Date

RE: Account XXXXX-XXXX-XXXXX

Dear Sir/Madame:

I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with the credit bureaus , and you have been able to verify this debt. How is this possible? I was .

I request that you send me the proper proof that what you are reporting is true, or if you cannot, to immediately remove it from my credit report.

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for improper reporting of information to the credit bureaus regarding my credit history, actual defamation damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. You have severely limited my ability to .

In light of the recent changes to the FCRA (FACTA), consumers now have the right to go directly to the original creditor and ask for proof of negative information. In addition, court case opinion No. 00-15946 CV-99-00290-D.C. by the US Court of Appeals 9th Circuit, Nelson Vs. Chase Manhattan, the court ruled that the creditor has the responsibility to investigate and make sure that correct information is being reported to the bureaus, and that the consumer has a right to sue under the FCRA, should his or her rights be violated.

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.

I look forward to an uneventful resolution of this matter.

Sincerely,

Signature
Your Name
Your Address

[SHANNA8102]

question.... do we send letter 2 with no info about the tl on the credit report, and just let them fill it out or do we need to put and account number so they will know what we are talking about?

[Trish]

Originally Posted by SHANNA8102

question.... do we send letter 2 with no info about the tl on the credit report, and just let them fill it out or do we need to put and account number so they will know what we are talking about?

You should give them the acct # as it appears on your CR or collection letter.
That way they know which acct/debt it is. NEVER give them your SS# and NEVER sign any letter to a CA.

[SHANNA8102]

Wow! I have signed every letter that I have written to them! I am learning alot from this site. thank you very much.