I'm so over the 1500, it's the stain that bothers me. i need to switch credit cards and buy a home, i don't need that crap sitting on my credit. thats why i have the 725ex-784tu-
677eq. these people are nuts... a month after i paid the debt, i called to see why they were still reporting $4000. Michelle Brown, a contact there, said well the debt was 1600 and i had only paid 1450. She went on to say that i needed to review my paperwork. Paperwork? I said i never recieved any paperwork, she said "oh". these people are criminals, i'm fine with the 1500 loss, which i will bill to Ignorance Inc, but i'm not okay with the blemish.
should i get a lawyer? the blemish is due to be removed in march or april. should i just wait it out?
i'm really confused, i was approved for Porsche 911 but can't get a new credit card because of this mark.
looks like angry letters, sent to the right places, work!
What a relief!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
letter sent:
Sent via Certified Mail
name
address
October 23, 2009
A & S Collection Associates
2847 Vermont Route 14,
Williamstown, VT 05679
RE: Dispute of Debt and Request Removal of False Information (Ref Acct#: XXXXX)
To Whom It May Concern:
I have, per my agreement with A & S Collection Associates and for the sake of my credit, paid the sum of $1500 to settle the alleged debt created by XXXX Autobody. The agreement was to pay $50 per month until the debt was settled after an initial $50 payment on the date of agreement ($50+ twenty-nine payments of $50). All of these payments were made, with final payment being sent 09/08/2009 and received no later than 09/15/2009 yet A & S Collection Associates still reports $4000+ of unpaid debt to Equifax.
There is no longer any debt owed to A & S or Pikesville Autobody. Please remove any and all fraudulent and negative information from my credit report maintained by each of the following three major credit reporting agencies immediately:
- Equifax
- Experian
- Transunion
After furnishing and/or completing the above, continue to abide by the cease and desist all communication[1] sent to you, on June 11 of 2009, concerning this account.
Any future contact, outside those enumerated by 15 USC 1692c, by your company will be in violation of the FDCPA. Since you already have my location information, calls made by you or your company to any 3rd party concerning me also violates section 15 USC 1692c. All transgressions of 15 U.S.C. § 1681s-2, by your company will be in violation of the FCRA. I will purse every single violation and the aggregate.
Thank you for your prompt attention to this matter,
name
cc: Department of Labor, Licensing, and Regulation, Office of Commissioner of Financial Regulation, 500 North Calvert Street, Suite 402, Baltimore, MD, 21201
Office of the Attorney General, Consumer Protection Division, 200 St. Paul Place, Baltimore, MD, 21201
Fair Trade Commission, Consumer Response Center, 600 Pennsylvania Avenue NW, Washington, DC 20580
Equifax, P.O. Box 740241, Atlanta, GA 30374-0241
[1] 15 USC 1692c: CEASING COMMUNICATION: If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except—
1. to advise the consumer that the debt collector’s further efforts are being terminated;
2. to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or
3. where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.