Sample ITS Letter anyone

[Ceejay1978]

Just to recap, National Recovery tacked a collection onto my EQ report.  I am DVing them because I have no clue where this debt comes from.  I never received written notification of any debt from National recovery or Capital Management Ventures (listed as the original debtor).. 

So it was recomended that I send a DV and ITS letter to National Recovery but I cant find a sample ITS letter. 

Can someone help?

[Anonymous]

i need to log off right now, but search my posts and you should find an example, otherwise i will reply later tonight or tomorrow with one

[thotgal320]

I have been trying to find it.  I know Tuscani had one that I used before but I just can't seem find it.  When I do I will post it.

[thotgal320]

Okay I'm not sure if this what you want but it is a start.  You can add and/or change whatever fits your needs and hopefully someone else will chime in.  I know this letter is used if it comes back verified.

Tuscani wrote:

They send that letter out to everyone who disputes a "previously verified" item. Why they haven't been hung out to dry yet I don't know, but that letter flagrantly ignores the law. §611 is quite clear even to a layman.

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 611. Procedure in case of disputed accuracy [15 U.S.C. § 1681i]

(7) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph (6)(iii) by not later than 15 days after receiving a request from the consumer for that description.

In your letter ask them to comply with this section of the FCRA and to tell you with whom they verified their information.

IE - What method they are using to verify. also name, address, phone number and person spoke to..etc

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Example letter:

FCRA Section 611(a)(1)(A)clearly states that upon receipt of a dispute Experian is to perform an investigation. Oviously, this did not hold true of my dispute of xx date. On xx date I received notice from Experian that my dispute had been "previously investigated". According to the FCRA, this is not an option.

Because of your blatant disregard for the FCRA, I am demanding that the disputed tradelines be deleted from my credit report. I am guaranteed, by law, that you will report with 100% accuracy and that any account I dispute will be investigated. You have proven that this cannot be done.

You now have 5 days from your receipt of this letter to remove the previously disputed accounts from my credit report. Be advised, that my attorney has in his possession all the letters and supporting documentation regarding this matter. If the accounts in question are not deleted he will file suit in Federal Court.

[Anonymous]

This is NOT the letter to send!!!!    First send the DV  CMRRR  wait for an answer.

This might be a CA collecting for another CA  BUT  it might be an error because a venture capital co. is not a CA.    You need the CA that is reporting to answer the DV with the addy for the OC that they are reporting for!!!

Use that addy to see if it is a CA or a venture company.   If you didn't invest in this company then it could be that the CA is really looking for someone else.  This doesn't mean that the CA will take your word for.  In that case  file an ID THEFT report.

Message Edited by HappyDays on 11-15-2008 11:24 PM

[RobertEG]

I agree with HappyDays, with the following caveat.

You cannot legally DV them until you receive their dunning letter.

You say that you have receivced no formal dunning notice from them, so no DV request aqppers to be warranted or necessaryl.

If you have not received a formal dunning notice from the CA of your mini-miranda rights, l would do nothing. 
The ball is now in their coiurt, not yours.l

They dont legally exist.

So I would not hreaten any intent to sue them, for they are not legally yet a claiming party.

Message Edited by RobertEG on 11-16-2008 02:42 AM

Message Edited by RobertEG on 11-16-2008 02:59 AM

Message Edited by RobertEG on 11-16-2008 03:02 AM

[Anonymous]

If the CA has initiated reporting on your CR, then I disagree with Robert.

One can (and should) DV the CA whether has received the dunning letter or not - failure of the CA to send the prescribed communication as per FDCPA 809 within 5 days from initial contact with the customer, and reporting to the CRA IS considered contact with the customer, is a violation on the CA's part and you can go after them for it, but the effects of the DV letter from the consumer run their course THE SAME WAY as it was sent in response to a dunning letter.

[Ceejay1978]

So should I wait until i get a response from the DV to sent the ITS (for not contacting sending me a dunning letter)?

I am about to mail the DV now....