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Jeremy B.
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Subject: 30 day follow up
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Sun Mar 14, 2010 12:41 pm
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| If a collect agency does not respond in thirty days how do i go about getting them to completely remove what is being reported,sample letters will help greatly...should i send the letter off before the thirty days,do i respond to the company reporting on my credit report,or the three major Bureaus?thanks for all your help.... |
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Jeremy B.
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Aaron
Joined: 08 Feb 2010
Aaron's page
Posts: 2675
48566 Magic Points
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Subject: 30 day follow up
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Mon Mar 15, 2010 5:35 am
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Hi Jeremy,
Can you please tell me what kind of letter did you send to the collection agency? If it was a debt validation letter, then they are not supposed to respond within 30 days. There is no such rule under FDCPA, that the collection agency will have to respond within a 30 day limit.
However, the debtor is required to send the debt validation letter within 30 days of the first attempt of collection. If the debtor fails to do so, it is supposed that the debtor owes the debt.
Hope this helps.
Regards,
Aaron
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Jeremy B.
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Mon Mar 15, 2010 8:31 am
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Here is what i sent thanks for all your help
March 5, 2010
Dear Wells Fargo Bank
You are inaccurately and incompletely furnishing information regarding
the above-referenced account to the Credit Reporting Agencies in
violation of the reporting requirements of the FCRA, Section 623,
Responsibilities of Furnishers of Information, and for which you are
responsible. I want all late payment marks removed from my account.
I was never late!
I dispute your information in its entirety and request evidentiary
documentation that substantiates the information you have furnished
and its reporting.
Should you not be able or willing to provide me with the substantiating
documentation as verification to cure this violation, within the next 30
days, please have the information deleted from each of the CRA's you
initially furnished it to or, alternatively, do not respond to the next
dispute that I initiate through the CRA's
Nelson v Chase Manhattan, 2002 provides a cause of action for
individuals against furnishers of information.
I would prefer not to use the courts to resolve this matter.
Sincerely, |
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Aaron
Joined: 08 Feb 2010
Aaron's page
Posts: 2675
48566 Magic Points
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Subject: reply
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Mon Mar 15, 2010 9:42 am
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Hi Jeremy,
You had sent a dispute letter to the collection agency. You may receive an answer within 30-45 days. If they don't reply to your dispute letter, you can send a follow up dispute letter for the second time. However, remember to send these letters through certified mail requesting a return receipt. Thus, you will have a proof that you had send the dispute letters. Wait for some time.
If they don't reply this time too, you can dispute the item with the credit bureaus. Attach the copy of your payments, and the copy of dispute letters sent to collection company.
Hope this helps.
Regards,
Aaron
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