Recently, our office received a dispute from you about a collection on your credit file.
In order to process this dispute, please provide the following information:
1. Identify the specific item of information that is in dispute.
2. Explain the basis for the dispute.
3. Include all supporting documentation to substatntiate the basis of the dispute.
Once the requested information/documentation is received, your dispute will be processed.
I am contemplating a reply along these lines:
Thank you for acknowledging that you have received my letter disputing the debt you are reporting.
In my original communication, I provided you the information available to me on my credit report, namely that you claim I owe you a debt of $38.00. Since your letter dated July 16, 2007 was the first communication I have received from you regarding this matter, I am submitting no documentation regarding this debt. On the contrary, I am requesting documentation from you. In accordance with FDCPA I request immediate validation of this debt.
I await your reply,
Send it CMRRR and then immediately dispute with the credit bureau?
Edit: My thought upon reading this was:
1. They are trying to stall for time.
2. WTF, they want me to prove I DON'T owe something?
3. I'm not sending them a **bleep** thing or one red cent until I see whatever it is that they claim I owe.
Message Edited by StartingFresh on 07-19-200706:36 PM
The price of freedom is eternal vigilance. --Thomas Jefferson. They may not have had CRAs in his time, but the man was wise.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.