[Trish]

Hmmmm.......hope this is the right thread for this one.

RE: Account #
CERTIFIED MAIL RETURN RECEIPT REQUESTED #

Dear creditor,

You are inaccurately and incompletely furnishing information regarding the above-referenced account to the CRA's in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which you are responsible.

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 xx 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

*******(or instead of the last sentence above: I will have no recourse but to consider legal action as a resolution)

Nelson v Chase Manhattan, 2002 provides a cause of action for individuals against furnishers of information.

Sincerely,

Your name


Or you could use some version of this letter, depending on how strong you want to read and your intended follow-through, Or use this as a second letter for a better papertrail:


your name
address field 1
address field two

month day, year

name of original creditor
address field one
address field two

CERTIFIED MAIL RETURN RECEIPT REQUESTED #
RE: ACCOUNT NUMBER AS IT APPEARS ON YOUR REPORT

Dear OC:

You are inaccurately and incompletely furnishing negative information regarding the above-referenced account to the major CRA's in violation of the reporting requirements of the FCRA and for which you are responsible.

I have previously disputed the above-referenced account and its reported information with the consumer reporting agencies, without resolution.

I dispute your information in its entirety and request evidentiary documentation that substantiates the information you have furnished and its reporting, including the required commencement of delinquency date, as verification of the information you have provided and its present reporting.

For your benefit and as a gesture of my goodwill, I have enclosed the FTC's required informational disclosure entitled, Credit Reports: What Information Furnishers need to know which defines and clarifies your responsibilities and potential liability as an information furnisher.

Should you not be able or willing to provide me with the substantiating documentation as verification of the present reporting, to cure these violations within the next 30 days, please have the information deleted from each of the consumer reporting agencies that you have furnished it to as required.

Should you again fail to fulfill your mandated duties and responsibilities, I will have no other recourse but to consider bringing legal action against Ford for its continued non-compliance and violation of the FCRA, under which is provided an individual cause of action for enforcing its provisions.

I expect final resolution of this matter within 30 days and look forward to receiving written confirmation of my request as well as written confirmation of Ford's intended actions.

Sincerely,

Your name

*courtesy of Sassy @ CB

I have used these letters a couple of times. It doen't always work but at the very least it gives you a papertrail if you need to take it a step further.

~Trish