June 04, 2008
To Whom It May Concern:
After closely examining my Equifax Credit Report obtained on 6/4/2008, I have discovered the following errors:
The current address is incorrectly reported as:
However, I have moved. Please change my current address to:
The following account is not reported as closed by consumer:
However, I have closed this account and repaid everything I owed ON TIME. Please report this account as closed by consumer.
The following account is listed on my report:
Date opened: 11/1999
However, I have never opened this account. It is not my account and it should be removed.
The following public record is listed on my report:
Type: Legal Item
Date filed: Sep 01, 2004
Status: Not Reported
However, I do not have this legal item. Please remove this record from my report.
A collection is listed on my report for a debt on an account that was never mine. The collection is:
The collection agency XXXXXX
was hired by Creditor XXXXXX
to collect debts on Account Number 'XXXXXXXXXXXXX.
Please remove this collection from my report.
I would appreciate your prompt response to these issues.
Re: Collection Account for ORIGINAL DEBT HOLDER ACCOUNT #: XXXXXXXX
To Whom It May Concern:
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 before regarding this account.
In the spirit of compromise, I am willing to pay 10% of the original stated debt or a total of $5.60 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 Five Dollars Sixty Cents ($5.60) will be sent to AGENCY. 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.
AGENCY 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, AGENCY 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 AGENCY. It will be implied that this letter shall constitute a legally binding contract, enforceable under the laws of my state.
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.
Please address all correspondence regarding this account to:
I typed my name and address, did not sign.