ok this is what i have so far let me know if i need to change anything (ps. im not a good letter writer lol)
Your Name
Your Address
Collection Agencys Name
Collection Agencys Address
Date
Re: Account # xxxxxxx
To whom it may concern,
Your company is reporting the above referenced account on my credit reports inaccurately. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid.
In a good faith effort to resolve the matter amicably, I must demand that you immediately removed this account from my credit report as you are in violation of both the FCRA (sect. 623) AND the FDCPA under False or misleading representations [15 USC 1692e].
If no such deletion is completed within 10 days from receipt of this notice I will seek legal counsel and file complaints with the FTC, BBB and AG Office. If you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes.
Sincerely,
Your name  |