I disputed an account with Ford. I know that Im not supposed to DV an OC but I did because my credit report was showing that it was sold to ca but the ca wasn't reporting on the report. I also did it because I really feel that I don't owe the money. It was for a leased vehicle. I got a letter today in the mail from Ford with a copy of my lease agreement. I wasn't disputing the fact that I leased a vehicle, I was disputing that I had a remaing balance on my vehicle. I'm sending off another letter to Ford and would like any feedback. Here it goes:
To Whom It May Concern:
I have received your letter and the copies of my previous lease agreement. Perhaps my original letter was not clear. I am not disputing that I leased this vehicle; however, I am disputing the fact that there was a remaining balance on this vehicle. The copies of my original paperwork do not support your claim that I owe a remaining balance. I am requesting this information be sent to me. In your letter you state that I have “failed to provide sufficient information to investigate any dispute.” You also go on to mention that under the Fair Credit Reporting Act; a person who seeks to dispute the accuracy of information reported must;
· Identify the specific information that is being disputed.
· Explain the basis for the dispute: and
· Include all supporting documentation required to substantiate the basis of the dispute.”
I have been denied a job because of information that was provided in my credit files including the above referenced Ford account. Because of this misfortune, I have consulted with an attorney and have been fully briefed on my rights. In my previous letter I stated my reason and basis for my dispute but let me reiterate it to you again: I don’t feel that I had a remaining balance on this account. In reference to your statement that I need to include all supporting documentation, as a previously stated, I have familiar with the FCRA laws and am fully aware the burden of proof lies with your company. I am requesting that this information be sent to me within the next ten business days; otherwise, it is your responsibility to delete this account from my credit files. As mentioned earlier, I have been in contact with an attorney and I am fully prepared to move forward with this case should my request be denied or ignored. I would like to take this opportunity to thank you for you time and cooperation in this very serious matter. I look forward to your reply.
I CC the letter to the 3 credit agencies as well as my AG office. Please let me know what you guys/gals think. Thanks
Message Edited by nfg on
11-01-2007 07:14 PM
