will this work

[Anonymous]

well am i opening a can of worms if i send this out? i would like to get these old paid collections off tu and eq. i used the ex online dispute and clicked other and typed in "Please investigate this item, per Federal Law. Please facilitate this lawful request within 30 days."

my hope is that the firms listed will be too lazy to fool with age old pif, or settled amounts. my point in asking for review is that i don't know if these are multiple entries for single accounts, and what's up with the "Status: Not Rported"?

also, some of these are from med bills that i had to pay because my company sponsored health benefit premiums (which they deducted my paycheck for) weren't sent to the insurance company. by the time the premiums were paid the dr. said the insurance company denied the claim for being to old to submit.

TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19022-2000

To Whom It May Concern:

After closely examining my TransUnion Credit Report obtained on 9/3/2007, I have discovered the following errors:

Problem 1

The following collection is reported incorrectly:

The collection agency 'Un Coll Tol'
was hired by Creditor 'Med1 New Century Physicians'
to collect debts on Account Number 'XXX8883'.
Status: Not Reported
Balance: $0

The details of the problem are as follows:

Items which don't belong on a consumer's report violate federal law. Please investigate this item. Please facilitate this lawful request within 30 days.

Problem 2

The following collection is reported incorrectly:

The collection agency 'Acct Rec Col'
was hired by Creditor '01 Buckeye Snappy Llc'
to collect debts on Account Number 'XXXXXXXX6803'.
Status: Not Reported
Balance: $0

The details of the problem are as follows:

Items which don't belong on a consumer's report violate federal law. Please investigate this item. Please facilitate this lawful request within 30 days.

Problem 3

The following collection is reported incorrectly:

The collection agency 'Allianceone'
was hired by Creditor '10 Cincinnati Bell'
to collect debts on Account Number 'XXX8356'.
Status: Not Reported
Balance: $0

The details of the problem are as follows:

Items which don't belong on a consumer's report violate federal law. Please investigate this item. Please facilitate this lawful request within 30 days.

Problem 4

The following collection is reported incorrectly:

The collection agency 'Allianceone'
was hired by Creditor '10 Cincinnati Bell Live Final W 0'
to collect debts on Account Number 'XXX3589'.
Status: Not Reported
Balance: $0

The details of the problem are as follows:

Items which don't belong on a consumer's report violate federal law. Please investigate this item. Please facilitate this lawful request within 30 days.

Problem 5

The following collection is reported incorrectly:

The collection agency 'Allianceone'
was hired by Creditor '10 Cincinnati Bell Live Final W 0'
to collect debts on Account Number 'XXX9425'.
Status: Not Reported
Balance: $0

The details of the problem are as follows:

Items which don't belong on a consumer's report violate federal law. Please investigate this item. Please facilitate this lawful request within 30 days.

Problem 6

The following collection is reported incorrectly:

The collection agency 'Alliance 1'
was hired by Creditor 'Cincinnati Bell'
to collect debts on Account Number 'XXX8356'.
Status: Not Reported
Balance: $0

The details of the problem are as follows:

Items which don't belong on a consumer's report violate federal law. Please investigate this item. Please facilitate this lawful request within 30 days.

Problem 7

The following collection is reported incorrectly:

The collection agency 'Martel Mngt'
was hired by Creditor 'Meijer Inc Store 159'
to collect debts on Account Number 'XXX7325'.
Status: Not Reported
Balance: $0

The details of the problem are as follows:

Items which don't belong on a consumer's report violate federal law. Please investigate this item. Please facilitate this lawful request within 30 days.

Problem 8

The following collection is reported incorrectly:

The collection agency 'Martel Mngt'
was hired by Creditor 'Meijer Inc Store 159'
to collect debts on Account Number 'XXX7324'.
Status: Not Reported
Balance: $0

The details of the problem are as follows:

Items which don't belong on a consumer's report violate federal law. Please investigate this item. Please facilitate this lawful request within 30 days.

I would appreciate your prompt response to these issues.

[Anonymous]

no opinions anyone?

[John060675]

Ummmm..........I personally would not do this.  I did "dispute" an account that was mine a few years ago, and it was removed.  However, from my understanding on the CRA websites, it is illegal to make false disputes.

I noticed your wording, which does not actually say they are not your items.  However, this is walking  a fine line. 

IMHO, I would send GW letters to the CA's and plead your case with them.  At least it is more ethical.

[Anonymous]

i really appreciate the response and i understand you fine line perspective, that's exactly why i worded it the way i did. also, i will try the good will route if/whenanything does come back. i just wanted a place to start, since so many of them may be duplicates.

the fact that they all report as 0 balance lends (at least i hope it does) credability that my intent is not to violate any law, or welch on any obligation. i truly just want to know what is erronious so i can work on the true file. now if in the process of the fact finding if they don't take the time to respond, that's not my fault (fingers crossed), right?

[TryingVeryHard]

Is this legal? What are you trying to say when you put:

Items which don't belong on a consumer's report violate federal law. Please investigate this item. Please facilitate this lawful request within 30 days.

Are you serious that they are all deleted using that approach?

[Anonymous]

i think some may consider it to be near the line, but i don't think i'm crossing it. i never said there was a specific problem, just re-stated the law and asked them to confirm whether or not they were reporting correctly.

i cautiously worded it that way because i thought there were duplicate entries, but wasn't sure. also, the medical collections are the result of my previous employer deducting for health insurance, but not paying the premiums.

i recall one conversation w/dw;

guess what honey, i'm pregnent! guess what honey, they cancelled the health insurance!

others had child support being deducted and not forwarded, they almost went to jail.

as for them deleting, yes they did delete as follows;

tu 8 paid collections to 0

eq 1 paid collection to 0

ex 4 paid collections to 1

total = 13 baddies gone

i have some cap1 lates (30 x 3 and 60 x 2) and didn't put them on the letter cause i thought they were accurate. i did call cap1 to try for some goodwill and the account manager said he couldn't find any on the account so he said he will request a letter to be sent to remove them.

i'm on the line if i should dispute the lates. if they can't find them and tell me my info is wrong then should i leave them? i don't know alot about the early history of the account, dw opened and used it several months before i even knew it existed. i never thought the lates were inaccurate given her history with handling other accounts.

now even though it may be on the line notice they were all paid collections, so i never tried to defraud any creditor out of anything they were due. also, like i said earlier i wasn't sure what was accurate (possible duplicates, etc.).

[SmartCookie]

For this unique situation and all of the details listed, I can't find anything grey area or even unethical at all about this letter.  Brilliant!

[Anonymous]

again, thanks.

i would like to take credit for the genuis part of it, but really just others work i tweeked. in the end though that's kind of why we hang out here, get info, bounce ideas around and work each other through the rough spots.

[positronicshell]

dnm,

congrats on kicking @ss on all those baddies!
thanks so much for following up + letting us know how it all turned out.
i have my one + only baddie reporting just to EX.
it is a PIF collection from 2002 $0, original amount $99 from my old cable company in honolulu.
they never sent me my final billing to the new forwarding address i gave them when i moved to seattle, UGH!
i want this to be gone so badly.
i fear CA's so i wrote a letter to oceanic cable but have gotten no response.
i think i am going to try your approach + cross my fingers.
if that doesn't work i am finally going to break down + contact the CA...

did you mail a letter or do online dispute?

xoxox jane

[Anonymous]

thanks. i mailed tu and eq, ex i did online and ex has my 1 and only left. i may try to fax in a disput, or just let it age off.