topic Re: letter-CA-RTS in General Credit Topics

letter-CA-RTS

Anonymous — Tue, 22 May 2007 00:36:47 GMT

Hello:

I wrote to a collection agency using one of the sample letter that Tuscani has posted in this forums.

Via Certified letter, I sent A Collection Account for Origianal Creditor letter and the letter was never claimed by one of their rep. This letter was return to me as unclained.

I am assuming that this ca is no longer in buss.

My question are: What will be my next step? Should I dispute with the CB as not mine?

thanks,

Princess

Re: letter-CA-RTS

Anonymous — Tue, 22 May 2007 00:41:35 GMT

@Anonymous wrote:
Hello:
I wrote to a collection agency using one of the sample letter that Tuscani has posted in this forums.
Via Certified letter, I sent A Collection Account for Origianal Creditor letter and the letter was never claimed by one of their rep. This letter was return to me as unclained.
I am assuming that this ca is no longer in buss.
My question are: What will be my next step? Should I dispute with the CB as not mine?
thanks,
Princess

Yes, immediately. If the debt is between agencies, and no one bothers to respond...

Re: letter-CA-RTS

Anonymous — Tue, 22 May 2007 05:53:22 GMT

Who's the CA? Sounds like they might simply have refused to accept and sign for a CMRRR letter. Some are starting to do that. Twould seem a violation perhaps. There are other ways to skin the cat.

Re: letter-CA-RTS

Anonymous — Tue, 22 May 2007 05:56:20 GMT

Definitely save that letter, complete with the RTS documentation or sticker. It will show you attempted to communicate with them and they refused.

Heck, I might file an FTC complaint right there, including the photocopied front of the letter with the RTS.

Re: letter-CA-RTS

Tuscani — Tue, 22 May 2007 11:14:24 GMT

Agreed.. save the letter and dispute..usethis letter if CRAs do not delete.

you

Cra

05/21/2007

Dear cra,

I recently attempted to contact collection agencies xxxx on my credit report at the addresses listed on my credit report. The letters I sent via USPS have been returned to me undeliverable because the companies “forwarding address expired, return to sender”. The collection agencies do not exist at the addresses mentioned in my credit report. I have included a copy of both sides of the envelopes for your review.

As you are well aware, under 15 U.S.C. § 1681i and § 1681s–2 of the FCRA, as well as numerous other places, you are required by federal law to report only accurate information. You have violated my civil rights by repeatedly reporting inaccurate information when I request my credit report, and when lenders view my report. This is a violation of federal law that I have a right to seek remedy for from the courts as it has caused me damage in how I am viewed by lenders, and terms of loans received.

I demand that within five days of receipt of this letter that these negative trade lines associated with this complaint be deleted from my file, as required by the FCRA. If this demand is not met, I will be filing grievances with the Attorney General, and the Federal Trade Commission.

I look forward to an expedient conclusion to this issue.

Sincerely,

Re: letter-CA-RTS

Anonymous — Tue, 22 May 2007 18:23:09 GMT

This is just great!!! Just this morning I called the credit bureu to dispute. Any way I am going to send the cb the letter that Tuscani posted. Again thank you. Princess

Re: letter-CA-RTS

Tuscani — Tue, 22 May 2007 21:14:46 GMT

Good luck.

And remember... As with any letter use at your own risk. And do not use this letter for Inqs that have PP.

Re: letter-CA-RTS

Anonymous — Wed, 23 May 2007 01:22:40 GMT

princess,

Who's the CA?

Re: letter-CA-RTS

Anonymous — Wed, 23 May 2007 19:09:11 GMT

Noah-Bodie, CA= Collection Agency. Is CA the wrong Abreviation? If so, Sorry!!!

Re: letter-CA-RTS

Anonymous — Wed, 23 May 2007 19:12:18 GMT

@Anonymous wrote:
Noah-Bodie, CA= Collection Agency. Is CA the wrong Abreviation? If so, Sorry!!!

Now that was funny!! I think he meant what's the name of the collection agency Princess!!

Re: letter-CA-RTS

Anonymous — Thu, 24 May 2007 03:00:24 GMT

Might I inquire as to the name and address of the collection agency to whom you addressed and mailed a letter? If so, then please share the name and address of the collection agency to whom you addressed and mailed a letter.

Re: letter-CA-RTS

Anonymous — Thu, 24 May 2007 18:16:34 GMT

Message Edited by princess on 05-24-2007 11:16 AM

Re: letter-CA-RTS

Anonymous — Thu, 24 May 2007 18:15:04 GMT

Sorry Noah-Bodie!! The Collection Agency name is: Midland Credit Management and the address I have in my credit report is: 5775 Roscoe CT, San Diego, CA 921231356. According to the post office this comp. move from this address about a year ago and they don't have a fowarding address. Hope this help!! Princess

Re: letter-CA-RTS

Anonymous — Fri, 25 May 2007 05:02:51 GMT

Try their new San Diego address:

http://www.mcmcg.com/about/locations.htm