getting ready tell me what ya think

[dogtown01]

my 12 punch
i am sending this letter to a collection agency who is trying to collect on my old capital one bill in which it is about 5 years old. this is my first letter i am sending. iam going to send the lettter in cmrrr and once i get the rrr i will send my dispute letter to the CRA'S ( my dispute letter template is under this aswell). question when i send my dispute letter to the cra's do i provide a copy of CMRRR or RRR to the CRA"S. also i cant seem to find my SSN card but i do know my SSN would it be ok to just send a copy of my driver licenses. any advice would be awsome thank you.

Validation letter
Your Name

123 Your Street Address

Your City, ST 01234


ABC Collections

123 NotOnYourLife Ave

Chicago, IL

Date: _________ CRRR#____________

Re: Acct # XXXX-XXXX-XXXX-XXXX

To Whom It May Concern:

This letter is being sent to you in response to your recent communication.

This is not a refusal to pay, but a notice that your claim is disputed.

Under the Fair Debt Collections Practices Act (FDCPA), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt.

Your legal staff will agree that compliance with this request is required under the laws of (State name) and Federal Statutes.

In addition to the questionnaire below, please attach copies of:

Agreement with your client that grants you the authority to collect on this alleged debt,or proof of acquisition by purchase or assignment.

Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities.

I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim.

In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities ,the BBB and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion .

I also hereby reserve my right to take private civil action against you to recover damages.

Sincerely,

Your Name(PRINT OR TYPE DO NOT SIGN)
.................................................. ...............

Debt Validation Form

Questionnaire to be returned :

Account #: ____________________

Original Creditor's Name:

_________________________________

Name of Debtor:

______________________________________
Address of Debtor:

___________________________________

Balance of Account:

__________________________________

Date you acquired this debt:

_________________________

This Debt was: assigned ___purchased___

Please indicated any credit bureaus to which
you have reported on this account:

Experian ______

Equifax ______

TransUnion _____





Dispute letter

Name]
[Address]
[City,St ZIP]

Social Security number: [XXX-XX-XXXX]
Date of birth: [XX/XX/19XX]

Equifax
P. O. Box 740241
Atlanta, GA 30374-0241

01/01/2007

Dear Credit Bureau,

I applied for a loan last week and I was told that my credit scores were too low so I requested my credit reports and after reviewing them I have noticed numerous errors! I am sure that this is not normal? Please correct these errors as soon as possible!

For some reason you have addresses for me which I do not recognize:

I have no knowledge of the following public records:

I have no record or knowledge of the following accounts:

If any of these accounts are verified, please furnish me with the name and address of the verifying party, the method of verification, and the reported first delinquency from the original creditor. Thanks for your time!

Sincerely,



[Name]

[dogtown01]

fast question i sent a letter to the cra's asking them to remove my old address they had on file cause they where incorrect but i forgot one of my old adress i didnt put in the letter.

can i give them a call or should i just send them another letter.
if i can call them do you know the phone numbers

[chane]

The letters look good. You don't need to send them a copy of the RRR. If you don't have a copy of your SS card, send them a current utility bill and a copy of your driver's license with your current address on it.

Just include the other address in this dispute.

[dogtown01]

thanks brother your a big help man i would be lost with out ya