12-29-2008 11:58 AM
I recently sent the basic good faith letter to a collection agency after paying off my debt. This is the response I received a few weeks later. My question is, what to do next? keep sending a GF letter, until they comply, or get tired of seeing my name. Or should I follow their advice and send a letter to the Credit Agency explaining, which I do not see the real point in doing, since my goal is to have this removed from the collections part of my report. Thanks in advance for any help or advice!
I. C. SYSTEM, INC.
This letter is in response to your request that our office delete your delinquent account information regarding theaccount owed to XXXXXXXXFrom your credit file.
We routinely forward our experience regarding collection of debts to several national credit reporting agencies.
They are Transunion, Equifax, Experian, and Innovis. To maintain the integrity of those files, we do not instruct
those agencies to delete account information once an account is paid. We notify them when and if you have paid
your account and the date payment was received.
Your recourse is to write a statement explaining why you paid your account late, and to have that statement inserted
into your credit file at your local credit reporting bureau. You have the right then, as you do now, to inspect yourcredit file in accordance with Federal Law. This can also be accomplished at your local credit bureau. We are a
debt collector attempting to collect a debt and any information obtained will be used for that purpose.
12-29-2008 12:12 PM
is this TL being reported 100% accurately? even a little mistake might entitle you to file a complaint with the BBB, the AGs and the FTC, and also file a small claim suit against IC.
In my experience, when GW fails, hard will succeeds.
12-29-2008 12:22 PM
if you feel like posting the tradeline record from your CR we could help you double check.
things to look for: type of account, date open, date closed, status....
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