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Advanced Credit Repair - Dealing with Collection Agencies Collection Agencies Dunning you? Are they complying with the FDCPA and or the FCRA? IF they are not, they could be liable for up to $1000.00 to you! This is the forum to educate and protect the rights afforded to you under the FDCPA and the FCRA. Legal aspects of credit restoration will be found in this forum. MEMBERS CAN POST ANONYMOUS QUESTIONS...

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Old 10-05-2007, 12:42 AM   #1 (permalink)
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Brainless OC response

Why/how would an OC have trouble understanding a question like "Have any of the CRAs contacted you about the referenced account, and if so, who and when?" And in their quest for universal enlightenment regarding such a bizarre and convoluted question, why in the continuum of the universe would they need a copy of a report to answer it?
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Old 10-05-2007, 01:55 AM   #2 (permalink)
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Quote:
Originally Posted by neil5623 View Post
Why/how would an OC have trouble understanding a question like "Have any of the CRAs contacted you about the referenced account, and if so, who and when?" And in their quest for universal enlightenment regarding such a bizarre and convoluted question, why in the continuum of the universe would they need a copy of a report to answer it?
I would have been more specific in my question to the OC.
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Old 10-05-2007, 07:36 PM   #3 (permalink)
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K, not to be feces-ous but could you be a bit more specific in what you think I should have said? My 20-40 hindsight says I should have added "regarding the status of the information that you supply."
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Old 10-11-2007, 07:49 AM   #4 (permalink)
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when it becomes apparent that someone could have screwed up, all these big companies tend to suffer from amnesia.
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Old 10-11-2007, 01:22 PM   #5 (permalink)
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On xx/xx/xx I disputed the information as provided by you to XXX credit reporting agency, with XXX credit reporting agency.

By letter dated xx/xx/xx, XXX credit reporting agency verified the information as reported by you, to be accurate.

By letter dated xx/xx/xx, I requested a procedural request of XXX credit reporting agency. In its response, XXX suggested that I contact you if questions remain about the information being reported.

At any time, on or about xx/xx/xx (date of first letter to CRA), through the date of this letter, were you contacted by XXX and asked to verify the information as reported by you. For your reference, enclosed please find a redacted copy of my credit file from XXX. Is the information as reflected in my credit file as being reported by XXX, accurate and without error?

If the information being reported is inaccurate, or a misrepresentation of the information you provided XXX, kindly forward the correct information to me and inform XXX to update their files as needed.

If you have any questions you can contact me at xxx-xxx-xxxx or by letter the above caption address.

Regards,


xxxxx


Enclosure - as noted
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Last edited by Enigma; 10-11-2007 at 01:25 PM.
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