This is my PFD..
This letter is to inform you that the validity of this debt is disputed. I am not sure of the account number, as I have never heard from you regarding this account. The account number I have is the one listed on my Transunion credit report – which omits the last few digits.
In the spirit of compromise, I am willing to pay this account IN FULL if you agree to immediate deletion of this account from any and all credit reporting agencies (Equifax, Experian and TransUnion). The purpose of this settlement is merely to have this item removed from my credit files. It is not to be construed as an acknowledgment of liability for this debt in any form.
If you agree to the terms and accept this agreement, certified funds for the settlement amount of two hundred seventy-seven dollars ($277.00) will be sent to CREDIT COLL in exchange for full deletion of ALL references regarding this account from my credit files and full satisfaction of the debt. As certified funds will be used for payment, there shall be no waiting period regarding the deletion of this account from the credit reporting agencies.
CREDIT COLL agrees to delete ALL information regarding this account from the credit reporting agencies WITHIN TEN CALENDAR (10) DAYS following receipt of payment as specified above and will not discuss the terms of this settlement with anyone, excluding your client on this account. If contacted by any third party, including credit-reporting agencies, CREDIT COLL will not acknowledge that any settlement offer was made, accepted or executed and will, in fact, deny knowledge of any such account.
If you agree to the above terms, please prepare a letter on your company letterhead explicitly agreeing to the same terms as the above settlement offer and have it signed by an authorized representative of CREDIT COLL. It will be implied that this letter shall constitute a legally binding contract, enforceable under the laws of my state, Washington.
Your response must be postmarked no later than 15 days from your receipt of this settlement offer or this offer will be withdrawn and I will request full validation of this alleged debt, as provided for by the Fair Debt Collection Practices Act.
I got this letter off the forums. It says that the validity of the debt is disputed in the letter... so I guess they're avoid the PFD part and attacking the first sentence?
I'll write a letter to the CRA asking for request for disclosure of their "method of verification" of your dispute.
Should I put per FCRA 611(a)(6)(B)(iii) and 611(a)(7)? Or leave out the FCRA 611 so I'm not giving away the correct answer?
Starting Score: 600ish