azsassycat wrote:
Please show me what you have sent (1) the Credit Bureaus for disputes and (2) the Collection Agency for debt validation.
Also, what if the account is still still with the original creditor but reporting incorrect dates? I no longer have any of the documentation showing the correct dates and amounts - is there any way I can get this information from the creditor? Also, does my requesting this information restart the clock for SOL or for the account to fall off of my credit report?
Sorry I have so many questions - once I get my stuff figured out, hopefully I can be a resource for the new newbies.
Thanks!
Cathleen
I don't understand the first part.
The OC sets the DOFD....the CRA will show it. The dates that may change is report date
Letter to OC written by BAM
Make all changes needed.
HSBC Card Services
Attention: Bureau Dispute Processing
PO Box 19360
Portland, OR 97280
August 2, 2007
Re: Acct #xxxxxxxxxxxxxx
To Whom It May Concern:
I recently pulled my credit report from Experian, Equifax and TransUnion and noticed this account was listed on each of my reports as a collection/chargeoff. I immediately disputed this information with Experian, Equifax and TransUnion and the results of the investigation came back as "verified". I did not have an account with HSBC during this time period.
Since I have disputed the account with the credit bureaus, and you have verified them, I would like to see what sort of records you have for this alleged account. Under the new FACTA laws, you are required to conduct an investigation on this account, and I am now requesting it.
I will seek legal action under § FCRA 623 (b) for violations of the FCRA if you do not comply and respond to me with the results of the investigation whithin 30 days of your receipt of this letter.
In order to clear up this matter, I would like to see, a signed contract showing me that I indeed had an account with your company. If you don't respond with the results of the investigation (as is required per the FCRA), I will assume you have no documentation and therefore you were negligent in providing the credit bureaus with accurate information. At this point, you would also be in violation of the FCRA merely for not responding within the 30-day period.
To avoid a lawsuit, I request that you remove account from my credit report. Please delete this listing or I will be forced to seek legal action.
Sincerely,
