Micaela09 wrote:It is on my credit report:3000 Kellway Dr Ste 108, Carrollton, TX 75006-3304; reported 3/1/08No delinquency date. I almost feel like I'm gonna be sick!
Please review this letter.
National Recovery Services
Re: Acct No. XXXX
To whom it may concern,
I recently ordered my credit report and found that you are reporting a balance of $409.00. This account is not mine and I demand you delete this account from your records and stop reporting it to any and all credit reporting agencies immediately. <---I don't want to put this line. I am pretty positive it's not mine but DH, but I don't think I should put this line???
According to the Federal Debt Collection Practices Act. I have a right to have the alleged debt validated. I am requesting and requiring that you forward all proper original documentation to me proving this alleged debt.
Additionally, continued reporting of this item on my credit reports is in violation of the FCRA 623. Deletion is mandatory by federal law.
You are hereby required to provide the following:
Contract of said account with my original signature.
Complete billing and payment history.
Copies of all certified letters sent to my address.
Notarized statement that you are authorized to collect this debt and by whom, including the name of the original creditor.
Notarized statement claiming you believe in the authenticity of the items (A), (B) & (C ).
If you are unable to provide me with proper proof, then you must stop attempting to collect and report this alleged debt. If you continue to claim I owe a debt that you cannot confirm, then you will be in direct violation of the FDCPA. Additionally, any attempt on your part to further report this alleged debt to my credit reports will be in violation of the Fair Credit Reporting Act.
Please forward your documentation to me upon receipt of this certified letter. Please note that proper documentation is not simply a print out or bill from you, and this debt cannot be validated without a contract bearing my original signature. If you are unable or unwilling to furnish said documents then I am ordering you to stop reporting this account and delete it from your records and delete your entry on my credit report(s).
Account printouts do not constitute legal validation.
If this item is not removed from all credit bureaus that you report to within thirty (30) days, this matter will be escalated. Continued violations against me by your organization to this fictitious account will be met by the maximum legal action permissible by law.
Thank you for your cooperation.