I need advise to help remove this collection company. I paid2/05 the gym account I stop using the gym but continued to be billed. The company went out of business and I realize that the account continued to show up on my cr. I contacted the R.R.I collection to collect that the account should show paid with a " 0" bal. The csr was very rude and talking down to me. I contacted the former owner of the gym and he agreed to sign papers stating that the account was to be deleted from my EQ cr. I denied the account not mine about twice came back verified remain on report. I submitted the papers sign by owner on May 6, 06 to EQ and they continue to say verified and remains. I submitted papers and copies of cleared checks to collection and they never responsed nor did they submit any new information to EQ. This collection have be hurting my credit so long. I real need it gone asap.
Collection listing reported 2/05; assigned 11/02; status as of 2/05 paid; date of DOFD8/02
Please help! File BK 12/06 and 
/C BK 3/16/07 Only one new account, tried for a Credit One denied with a FICO 528 11/8/07
/C BK 3/16/07 Only one new account, tried for a Credit One denied with a FICO 528 11/8/07
2Bfree wrote:I need advise to help remove this collection company. I paid2/05 the gym account I stop using the gym but continued to be billed. The company went out of business and I realize that the account continued to show up on my cr. I contacted the R.R.I collection to collect that the account should show paid with a " 0" bal. The csr was very rude and talking down to me. I contacted the former owner of the gym and he agreed to sign papers stating that the account was to be deleted from my EQ cr. I denied the account not mine about twice came back verified remain on report. I submitted the papers sign by owner on May 6, 06 to EQ and they continue to say verified and remains. I submitted papers and copies of cleared checks to collection and they never responsed nor did they submit any new information to EQ. This collection have be hurting my credit so long. I real need it gone asap.Collection listing reported 2/05; assigned 11/02; status as of 2/05 paid; date of DOFD8/02Please help! File BK 12/06 and
# 1 NEVER talk to a CA!!!!
Send a DV to them CMRRR
The letter from the OC should state that your account was PIF back in 2002.
Is this showing from the OC and the CA?
IF so......send a letter to the OC at the address shown on your report CMRRR..........if it comes back undeliverable....this can be used to get it off you CR. Otherwise you need a letter stating that the account was PIF and it MUST be on GYM Letterhead!!!!
It is up to the CA to prove that the account is yours...not up to you to prove that it is.
Also send a DV to the CA CMRRR
check with your state AGs office. Some states have laws that have to do with health clubs.
about 31 days after the CA signs for the CMRRR....dispute it with all CRAs that are reporting........IF it comes back verified....MOV the CRA.......by fax or CMRRR
NEVER SIGN ANYTHING TO A CA!!!!!!!!!
make changes where needed on this DV letter: They have 30 days to answer it!
August 26, 2007
Jones Collection Agency
222 1st Street
Noplace, FL33333
Re: Account #: 5555555
Original Creditor: Smith & Smith Corp
Dear Sir or Madam:
This letter hereby notifies you that the validity of this debt is in dispute. In an attempt to validate this debt, I am requesting evidence of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such substantiation, under federal and state law you must correct any erroneous reporting to any and all credit reporting agencies
In accordance with Section 809 of the Fair Debt Collection Practices Act, Fair Credit Reporting Act and corresponding case law, please provide me, in writing, the following information:
- A copy of the alleged original contract or other instrument bearing my signature
- Complete account history, including, all statements, records of all activity, payments, collection attempts, and any charges added for collection activity; In short, any and all documentation pertaining to this account
- Evidence of your authorization under 15 USC 1692(e) and 15 USC 1692(f) in this alleged matter
- Evidence that your company is registered as a consumer collection agency in the State of Florida
Additionally, until full validation is provided, all representatives of your company, or any affiliated company, must immediately cease & desist all attempts to collect the aforementioned debt. Failure of your company to comply with this request will be a violation of the Fair Debt Collection Practices Act and will directly result in a complaint filed with the Federal Trade Commission and the State of Florida Attorney General's office. Please be advised, should this request be violated, I will pursue all criminal and civil claims, including any and all punitive damages, allowable by federal and state law against your company.
Failure to respond, in writing, and in a timely manner, will serve as a waiver to any and all of your claims in this matter and that this matter is permanently closed. Please provide the requested information or correct your records and immediately request the removal of this invalid debt from all sources to which you may have reported.
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be retained should further action become necessary. This is a request for information only, and is not a statement, election, or waiver of status.
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be retained should further action become necessary. This is a request for information only, and is not a statement, election, or waiver of status.
I look forward to your timely response.
Best regards,
DO NOT SIGn just type name
This is going at it backwards as you have already sent them all your info. and they will use it against you if they can!