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Established Member
creditmonkey
Posts: 21
Registered: ‎05-22-2008

Refused to sign?

I've started helping my friend with her credit and we sent a DV to a company certified last week. The letter came back today "Refused to sign."
 
Is there anything we can do about that?

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Valued Contributor
slyhouse08
Posts: 2,340
Registered: ‎04-08-2008

Re: Refused to sign?

Send them another letter...not CMRRR...and see what happens...I think they can refuse to sign...I have read that before...
Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008

Re: Refused to sign?

There is no law that requires acceptance of a CMRRR.  I would keep it handy just in case. 
 
As the other poster said, send another one, regular mail and see what happens.
 
Is it a CA or an OC that you are sending these?
Established Member
creditmonkey
Posts: 21
Registered: ‎05-22-2008

Re: Refused to sign?

CA

Starting Score: TU 597 EQ 582
Current Score: TU 597 EQ 582
Goal Score: 700 for all!


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Moderator Emeritus
HappyDays
Posts: 7,326
Registered: ‎06-18-2007

Re: Refused to sign?

[ Edited ]
Send this letter to all CRAs reporting   along with copy of the DV letter  cert paper and GC
 
Dispute not mine
 
Your Name
Address
City, State Zip
SS #
 
TU/EX/EQ
Address
City, State Zip

DATE
 
RE: Account #_________/Original Creditor’s Name
 
Dear CRA:
 
This is a request for deletion of a disputed item. I have attempted to have this allleged debt
verified by the alleged creditor and collection agency to no avail. I am respectfully requesting that
"Collection Agency" do what is legally mandated by the FCRA and FDCPA, and delete the account listing.
 
Name of Creditor/Agency, Account #_________
 
On XX XX 08, "Collection Agency" received a demand for validation from me. Attached is a copy of that letter along with the U.S. Post Office return receipt showing they did indeed receive the request and REFUSED to sign for it.
 
 
 
The FDCPA states they must cease collection activity until they have produced verification of the
alleged debt if so requested. As per the FTC, this includes reporting to the credit bureaus, which
they obviously have done illegally. It is quite evident that no such proof of this alleged debt exists
or they would have provided it in the previous X months since it was requested.
 
 
As per the FCRA, if no proof of debt exists, it may not be reported to the credit reporting bureaus.
The FCRA also states that the credit reporting agencies must accept written proof from the debtor.
Therefore, I am not asking for an investigation to be done, I am requesting that the entry be deleted
in its entirety as there is no proof of its existence as evidenced by my attached documented proof.
Sincerely,

Your Name


Message Edited by HappyDays on 06-04-2008 11:25 AM
Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008

Re: Refused to sign?

I tried this with the CRA and told them the CA refused to validate.  Sent all the appropriate letters, green cards and CMRRR. Their letter said the CA verified the debt with them and that was all they cared about.
Moderator Emeritus
HappyDays
Posts: 7,326
Registered: ‎06-18-2007

Re: Refused to sign?

send the CRA  a MOV....they will prob. send a form letter  then you send them an *ITS*  if they do not delete  get an attorney & sue.
 
First file a complaint  www.ftc.gov

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