Hello,
I sent a letter to each CRA that basically said the following
"This letter is a formal complaint that you are reporting inaccurate information on my credit report. Please provide evidence that the following accounts belong on my credit report and that my rights have not been abrogated. In the event you are unable to provide evidence or validate/verify these derogatory accounts, please delete each damaging trade-line/account from my report. Thank you for your time and Happy Holidays.
I have enclosed a page from my Experian credit report obtained through MyFICO in which I have circled each account I am referring to."
After sending this letter to each CRA I received new letters back from new collection agencies attempting to collect the debts.
1) I received a letter from a CA seeking the unpaid balance on a prior collection that I settled upon. Is this legal? What type of letter should I send to this collection agency?
--(I have a letter from the original collection agency stating "This will confirm that the above referenced account has been Settled in Full. Our client will notify all appropriate credit bureaus. Use this letter for your records to show proof that your account has been cleared with this office")--
2) I received a letter from another CA seeking payment for an old charged off cable account and another for an old phone account. Should I send a letter like this?
CA Response Letter to My Validation Letter:
?
3) Lastly, I received a letter which tells me to make a check payable to them although it only mentions the original creditors account number and their account number, it doesn’t show a balance, and it states the following...
" Dear XXXX,
We received notification from a Credit Depository (Equifax, Experian, TU) that you generally dispute the above referenced account. We have responded to the inquiry and verified the information on our file.
Unfortunately, we are unable to complete a full investigation of this matter with the information provided. If you wish for us to investigate this matter, please provide in writing the specific nature of the dispute and any supporting documentation. Please send this information to: (their address)"
Does this mean they cant verify so it should be removed from my credit?
What should I do with each numbered bullet?
When answering could you please just number each bullets answer so I know which letters you are referring to. THANK YOU!
Thanks again for all your help here; everyone has been great and so helpful.