topic Re: cell phone collection question in Rebuilding Your Credit

cell phone collection question

Anonymous — Fri, 17 Oct 2008 19:35:12 GMT

It has been stated that cell phones carry a 2 year SOL and that collections must begin within that 2 years. my question is this. I have a collection on my report that was first reported by the CA 07/06. that date it is scheduled to fall of is 05/11. I don't know if this collection is mine as the CA has not responded to my three DV requests and the CRA just verified the account.

Re: cell phone collection question

Anonymous — Fri, 17 Oct 2008 22:25:27 GMT

When you send a DV CMRRR and it is past 30 days with no answer,

send a copy of the DV letters copy of all cert.papers and GCs along with this letter

Read & make all corrections needed

Your Name
Address
City, State Zip

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.

As of today, XX XX 2008, they have failed to provide any proof or respond in any way.

On XX XX 08, I sent a second letter. Again, I have received no response. Attached is a copy of the

letter and the U.S. Post Office showing they did receive that letter.

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.

Also, when an alleged debt is disputed, a notation must be entered on the debtors report showing the

item as in dispute. Again, this was not done. Another violation of the FDCPA. (DELETE THIS PARAGRAPH IF IT DOES NOT APPLY!!)

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

typed only

Re: cell phone collection question

Anonymous — Sat, 18 Oct 2008 06:58:28 GMT

@Anonymous wrote:
When you send a DV CMRRR and it is past 30 days with no answer,

send a copy of the DV letters copy of all cert.papers and GCs along with this letter

Read & make all corrections needed

Your Name
Address
City, State Zip

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.
As of today, XX XX 2008, they have failed to provide any proof or respond in any way.
On XX XX 08, I sent a second letter. Again, I have received no response. Attached is a copy of the
letter and the U.S. Post Office showing they did receive that letter.
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.
Also, when an alleged debt is disputed, a notation must be entered on the debtors report showing the
item as in dispute. Again, this was not done. Another violation of the FDCPA. (DELETE THIS PARAGRAPH IF IT DOES NOT APPLY!!)
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
typed only

Thanks for this info I will have to use this on one of my CA as they never validated but verified with the CRAs