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Credit Report Dispute Account Information Dispute

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Credit Report Dispute Account Information Dispute Powered By Docstoc
					Full name: Last__________________ First ________________Middle ____________
Current Address_______________________________________________________
Former Address_______________________________________________________
Social Security #________________________ Home Phone____________________
Date of Birth___________________________ Work Phone_____________________
Employer_____________________________

Credit Report Dispute / Account Information Dispute Section
Company Name__________________________
Account #__________________________
__ Not my account        __ Was never late    __Account paid in full
__ Current status incorrect    __ Other       __Dispute
Explanation________________________________________________________________

Company Name__________________________ Account #__________________________
__ Not my account        __ Was never late __Account paid in full
__ Current status incorrect    __ Other    __Dispute
Explanation________________________________________________________________

Company Name__________________________ Account #__________________________
__ Not my account        __ Was never late __Account paid in full
__ Current status incorrect    __ Other    __Dispute
Explanation________________________________________________________________

Company Name__________________________ Account #__________________________
__ Not my account        __ Was never late __Account paid in full
__ Current status incorrect    __ Other    __Dispute
Explanation________________________________________________________________

Courthouse or Collection Agency accounts
Courthouse or Collections agency_______________________________________________
Case number for courthouse records only_________________________________________
__ Not Mine (explain)      __ Satisfied    __ Released       __ Dismissed
__ Discharged       __ Collection was paid    __ Other (explain)
Explanation________________________________________________________________

Courthouse or Collections agency_______________________________________________
Case number for courthouse records only_________________________________________
__ Not Mine (explain)      __ Satisfied    __ Released       __ Dismissed
__ Discharged       __ Collection was paid    __ Other (explain)
Explanation________________________________________________________________

I certify that all information above is true and factual.
Signature ____________________________________________ date __________________
            o    Use this credit dispute form to get addresses to creditors, remove errors and add
                 comments.
            o To get an address, just mark not my account and fill in dates, amount and creditor for the
                 entry. The entry will either be removed or you will receive a letter saying the account was
                 verified with contact information so you can hash out differences with the creditor. So use
                 this form to find addresses of creditors.
            o To remove errors state the errors with the form units and mail to bureaus. If you have
                 improper credit entries like, fraud alerts, marked as dead, credit freezes, stolen identity or
                 merged files, more than 7 years old, incorrect dating, duplicates or just plain errors use
                 this form. If needed send a 100 word or less explanation of your problem or complaint.
            o If you can negotiate first with a creditor and get information changed. Write or call the
                 creditor and make arrangements to pay off in full or re-open and account with agreement
                 to eliminate bad marks after 24 months elapse. Most credit card companies only report
                 the previous 24 months and most collection agencies will remove entries if you pay them
                 off in full including fees. Expect car loans, home loans, utilities and matters of law to very
                 difficult if not impossible to get changes made. Most of the accounts take 7 – 10 years to
                 fall off by law.
            o Print and mail the dispute form for accounts where you find creditors hard to find yourself.
                 Many times a creditor has moved or been sold or even gone out of business. These
                 accounts should fall right off because the bureaus will not get a response in less than 30
                 days. So the longer it takes for the bureaus to respond the better your chances are the
                 account will be deleted.
            o Make your dispute form simple by breaking up large groups of disputes into groups of 4
                 or less. More than 4 disputes per form can sometimes be kicked out as frivolous. ie. If
                 you dispute EVRYTHING on your report that must be frivolous unless you suspect fraud
                 or merging.
            o Include very detailed personal information such as a copy of your drivers license, social
                 security card, phone bill, insurance, card, birth certificate on matters of fraud, merged
                 files, or and even reporting person is deceased when person is clearly alive.
            o Include only basic personal information when disputing unfamiliar or old accounts hoping
                 for a mistake by a creditor or bureau that would delete the account entry.
            o You can add a 50-100 word or less comment to any account on your report which you
                 have a disagreement with a creditor. Just write a letter about a specific account (name,
                 amount, date) then include necessary personal information and mail it to the bureaus
                 above. The comment will not help your score but will help potential creditors make
                 decision on credit applications.
            o Use the dispute form to make sure all your accounts that were included in a bankruptcy
                 showed included in bankruptcy and a 0 balance owed. Bankruptcies do not remove
                 accounts but the accounts should show included in Bk and 0 balance owed.
            o If you are married and your spouse has the same data you have disputed make sure you
                 do another dispute form letter for your spouse.
The instructions below are detailed instructions listed on the web by the FTC on how to correct errors.
Correcting Errors
Under the FCRA, both the CRA and the organization that provided the information to the CRA, such as a
bank or credit card company, have responsibilities for correcting inaccurate or incomplete information in
my report. To protect all my rights under the law, contact both the CRA and the information provider.
First, tell the CRA in writing what information I believe is inaccurate. Include copies (NOT originals) of
documents that support m position. In addition to providing m complete name and address, my letter
should clearly identify each item in my report I dispute, I state the facts and explain why I dispute the
information, and request deletion or correction. I may want to enclose a copy of my report with the items
in question circled. I send my letter by certified mail, return receipt requested, so I can document what the
CRA received. Keep copies of m dispute letter and enclosures.
CRAs must reinvestigate the items in question--usually within 30 days--unless they consider my dispute
frivolous. They also must forward all relevant data I provide about the dispute to the information provider.
After the information provider receives notice of a dispute from the CRA, it must investigate, review all
relevant information provided by the CRA, and report the results to the CRA. If the information provider
finds the disputed information to be inaccurate, it must notify all nationwide CRAs so they can correct this
information in my file.
Disputed information that cannot be verified must be deleted from my file and never replaced.
     • If my report contains erroneous information, the CRA must correct it.
     • If an item is incomplete, the CRA must complete it. For example, if my file showed that I was were
          late making payments, but failed to show that I am no longer delinquent; the CRA must show that
          I'm current.
     • If my file shows an account that belongs only to another person, the CRA must delete it.
When the reinvestigation is complete, the CRA must give me the written results and a free copy of my
report if the dispute results in a change. If an item is changed or removed, the CRA cannot put the
disputed information back in my file unless the information provider verifies its accuracy and
completeness, and the CRA gives me a written notice that includes the name, address, and phone
number of the provider.
Also, if I request, the CRA must send notices of corrections to anyone who received my report in the past
six months. Job applicants can have a corrected copy of their report sent to anyone who received a copy
during the past two years for employment purposes. If a reinvestigation does not resolve my dispute, ask
the CRA to include my statement of the dispute in my file and in future reports.
Second, in addition to writing to the CRA, tell the creditor or other information provider in writing that I
dispute an item. Again, include copies (NOT originals) of documents that support my position. Many
providers specify an address for disputes. If the provider then reports the item to any CRA, it must include
a notice of my dispute. In addition, if I am correct-that is, if the disputed information is not accurate-the
information provider may not use it again. Accurate Negative Information When negative information in
my report is accurate, only the passage of time can assure its removal. Accurate negative information can
generally stay on my report for 7 years. There are certain exceptions:
     • Information about criminal convictions may be reported without any time limitation.
    •    Bankruptcy information may be reported for 10 years.
    •    Credit information reported in response to an application for a job with a salary of more than
         $75,000 has no time limit.
      • Credit information reported because of an application for more than $150,000 worth of credit or
         life insurance has no time limit.
      • Information about a lawsuit or an unpaid judgment against me can be reported for seven years or
         until the statute of limitations runs out, whichever is longer. Criminal convictions can be reported
         without any time limit.
Adding Accounts to MY File
My credit file may not reflect all my credit accounts. Although most national department store and all-
purpose bank credit card accounts will be included in my file, not all creditors supply information to CRAs:
Some travel, entertainment, gasoline card companies, local retailers, and credit unions are among those
creditors that don't. If I've been told I was denied credit because of an "insufficient credit file" or "no credit
file" and I have accounts with creditors that don't appear in my credit file, ask the CRA to add this
information to future reports. Although they are not required to do so, many CRAs will add verifiable
accounts for a fee. I should, however, understand that if these creditors do not report to the CRA on a
regular basis, these added items will not be updated in my file.
TransUnion                       Equifax                             Experian
P.O. Box 1000                    P.O. Box 740241                     P.O. Box 2104
Chester, PA 19022                Atlanta, GA 30374-0241              Allen, TX 75013-2104
1-800-888-4213                   1-800-997-2493                      1-888-397-3742

                    The three bureaus.            Mail all disputes certified delivery.
Attempt to Validate Debt.
 Under the Federal Debt Collection Practices Act, I am allowed to challenge the validity
of a debt
that a collection agency states I owe to them. Keep a copy for your files and send the
letter registered mail.
Your Name
123 Your Street Address
Your City, ST 01234
ABC Collections
123 NotOnYourLife Ave
Chicago, IL
Date:
Re: Acct # XXXX-XXXX-XXXX-XXXX
To Whom It May Concern:
This letter is being sent to you in response to a notice sent to me on September 30, 2002). Be advised
that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15
USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.
This is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION
made pursuant to the above named Title and Section. I respectfully request that your offices provide me
with competent evidence that I have any legal obligation to pay you.
Please provide me with the following:

    •   What the money you say I owe is for;
    •   Explain and show me how you calculated what you say I owe;
    •   Provide me with copies of any papers that show I agreed to pay what you say I owe;
    •   Provide a verification or copy of any judgment if applicable;
    •   Identify the original creditor;
    •   Prove the Statute of Limitations has not expired on this account
    •   Show me that you are licensed to collect in my state
    •   Provide me with your license numbers and Registered Agent
        These questions should be answered also
        Who is the current owner of this alleged debt?

        Who is the original creditor for this alleged debt?

        If [NCO/AIS] is the current owner, when was it purchased?

        Who was it purchased from?

        Have you assigned the alleged debt to another entity for collection?

        If so, who?

        If [NCO/AIS] has sold or otherwise transferred this alleged debt, to whom was it sold
        and when.

        At this time I will also inform you that if your offices have reported invalidated information to any of
        the 3 major Credit Bureau’s (Equifax, Experian or TransUnion) this action might constitute fraud
        under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my
       credit reports by your company or the company that you represent I will not hesitate in bringing
       legal action against you for the following:
            o Violation of the Fair Credit Reporting Act
            o Violation of the Fair Debt Collection Practices Act
            o Defamation of Character
       If your offices are able to provide the proper documentation as requested in the following
       Declaration, I will require at least 30 days to investigate this information and during such time all
       collection activity must cease and desist.
       Also during this validation period, if any action is taken which could be considered detrimental to
       any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any
       information to a credit reporting repository that could be inaccurate or invalidated or verifying an
       account as accurate when in fact there is no provided proof that it is.
       If your offices fail to respond to this validation request within 30 days from the date of your
       receipt, all references to this account must be deleted and completely removed from my credit file
       and a copy of such deletion request shall be sent to me immediately.
       I would also like to request, in writing, that no telephone contact be made by your offices to my
       home or to my place of employment. If your offices attempt telephone communication with me,
       including but not limited to computer generated calls and calls or correspondence sent to or with
       any third parties, it will be considered harassment and I will have no choice but to file suit. All
       future communications with me MUST be done in writing and sent to the address noted in this
       letter by USPS.
       It would be advisable that you assure that your records are in order before I am forced to take
       legal action. This is an attempt to correct your records, any information obtained shall be used for
       that purpose.
       Best Regards,
       Your Signature
       Your Name



Follow up on Debt Validation. If the Collection Agency does not return your validation letter
with required documents. Use this letter to follow up.

ABC Agency
Not on Your Life Ave.
City, State
Re Acct. #
To Whom It May Concern:
This is in response to your attempt to validate a debt. You have not provided me with
any of the information required under the FDCPA.
       Debt validation is not a request for verification of my current or former
                                           addresses.
1. Section 809(b) of the Act provides that if the consumer disputes the debt or requests
identification of the original creditor in writing, the collector must cease collection efforts
until he verifies the debt, or identifies the original creditor and mails a response to the
consumer. If the consumer's request for verification of the debt was made in accordance
with Section 809(b) of the Act; the collector need not supply the documentation but only
so long as collection efforts are not resumed. Section 809(b) requires that "the collector
cease collection of the debt, or any disputed portion thereof, until the debt collector
obtains verification of the debt . . . and a copy of such verification . . . is mailed to the
consumer by the debt collector." In situations contemplated by Section 809(b), the Act
imposes the obligation to furnish verification before the collector resumes collection
efforts. In the event the collector decides not to pursue the collection efforts, there is no
requirement to furnish the documentation of the indebtedness to the consumer. In the
event that collection efforts are resumed, the requirement to furnish verification to the
consumer prior to resumption of collection remains.
Please provide the specified information requested immediately or cease collection
activity at once. If you fail to produce the required documentation a complaint will be
filed with the FTC, the Attorney General’s Office and the Better Business Bureau. Thank
you for your time.

Sincerely,
Your Name


To: (Creditors' name)
From: (Full name including spelled out middle name)
Subject: (Account #, Balance, Reported dates)
 I recently attempted to purchase a (house, car) and was informed the above account is negatively
affecting my credit report and qualifying score.
 My hope is to pay the account (in full, settlement, make payments) if there is a possibility of the account
will be "totally removed" from my credit report or updated to show the account was "paid in full and as
agreed" with no newer dates levied on the negotiated action.
 Here I am listing why I merit credit help consideration. (I moved, I lost my job, I went through a divorce, I
had a serious sickness, there was and error on your part) but now I am on my feet and as always intend
to pay my debts and honor my agreements. I would even like to re open the old bad account to establish
new good credit as a gesture of good will and personal honor.
 Please list any action that (company) might take if I make (payment in full with fees, settlement, make
payments) expecting total removal, settlement expecting account to be listed as paid in full and as
agreed, or to make payments in full expecting total removal upon final payment.
 Because this account is the only account holding me back from having a qualifying credit score, I find this
matter to be of an urgent nature and hope your help will be speedy. Please enclose the name and phone
number of someone I can call no matter what action is deemed helpful for this account.

Signature
________________________

Full Name___________________
Street______________________
City________________________
State_______________________
Zip________________________
DOB_______________________
Social______________________
Home Phone_________________
Work phone_________________
    •   Send this letter delivery confirmation or certified mail if sending to a street address not a PO Box.
    •   I configure this letter to meet the needs of my personal situation.
    •   I ask for the most I can or the best case scenario, with the realization that I will more than likely
        settle for less
    •   I like to include a copy of my drivers license to further show this letter is real and sincere. Many
        times a face will help personalize the situation which will work in my favor.




Debtor's Settlement Offer for Account No. [Account number]

I am aware that I owe a balance to your company. This letter is an offer to settle the debt for less because
of my inability to pay the entire balance. Because of my financial circumstances, [deep in debt,
out of work, borrowing the money, insurance settlement with limited funds, considering bankruptcy,
illness, loss of family member with income, etc. List your reason here as to why you are offering to
pay less.] I am only able to pay a portion of this debt.

I realize you may be motivated as well, because of the age of the debt and my financial crisis. Refusing to
work with me will only make matters worse for both of us.

You claim the amount owed on the account is $________. Please accept this offer to settle this account
under the following conditions ONLY:

The parties involved agree to settle the account in full for the sum of $__________ and this amount is
accepted as full and final payment on said debt. Complete discharge and settlement of all monies
due will be created, provided that the amount agreed upon shall be paid in the following manner:
Payment terms: how debt will be paid, i.e., 10 payments of $200.00 on the 1st of each month after the
execution of this agreement, three payments of $250.00 to be paid monthly on the 1st of each
month, etc.

Payment location: where you will send payment each month- full address.

Other terms: list arrangements made, such as, creditor agrees to freeze the account without any
additional fees or interest added to the balance etc.

Credit reporting: list account status terms you are requesting such as “settled in full”, “settled for less”,
“paid in full”, “deleted” etc.

Governing states: This agreement shall be binding under the laws of [list your state and the creditor’s
state].

If your office agrees to this settlement, please send back confirmation on your company letterhead and
signed by someone with the authority to accept such offers. Time is of the essence because of
my financial situation so please reply as soon as possible.


Kind regards, Joe Consumer
Signature
________________________
Full Name___________________
Street______________________
City________________________
State_______________________
Zip________________________
DOB_______________________
Social______________________
Home Phone_________________
Work phone_________________



Dear Sir or Madam:
This letter is an offer to amicably settle the above account. It is not to be
construed as an acknowledgment of my liability for this debt in any form.
I will pay your company the amount of $XXXX as full settlement of this
account.
If you accept this agreement, I will send you a money order or certified
cashiers check for the settlement amount of $XXXX in exchange for a full
deletion of all references regarding this account from my credit profile and
full satisfaction of the debt. This agreement is binding and will be void
should you not hold up to your end of the agreement. Furthermore the debt
will be deleted from my credit profile at all three credit bureaus, or the
bureaus your company regularly reports to in the course of doing business.
If you agree to the above, please acknowledge with your signature and
return a copy to me. Upon receipt of this signed acknowledgment, I will
promptly send you a money order or cashiers check in the amount stated
above.
Notice: This agreement is restricted. This is not a renewed promise to pay,
but rather a restricted settlement offer only. By not signing below, you agree
that the debt has not been renewed nor have any concrete written
agreements been exchanged.
Thank You. I look forward to resolving this matter in the best interest for
both of our parties.


Creditor’s Authorized Signature: _____________________
Date:_________________
Name: ______________________
Title : _______________________




Open New Good Credit
first name _____________________ middle I___ last name _____________________
street address______________________________________________________ No
Po Box’s
city__________________________ state_______ zip ________
own_______ rent______
home phone # ___________________ social security # _______________________
date of birth ___/___/______
drivers license number and state of issue____________________________________
do you have a checking account circle YES NO savings? YES NO
e-mail address (optional) _________________________________________
Mothers maiden name or security password_________________________
Financial Information
current employer (if self employed, DBA/company
name)___________________________
street ____________________ city______ zip _________
phone________________________
gross annual income ____________________
for how long________________

I am trying to rebuild or establish credit and would like to buy a home. I know my credit
is either not good or I have none.
Enclosed is a money order for ______________ I would ask you to please open an
account in my name so I can build a positive credit relationship with your company.
I promise to pay on time and to pay more than I charge for at least one year to increase
my high credit limit with your company.
Signed________________________________________ date________
Please send a free copy of my credit report.
My name is __________________________

___I've been turned down in the last 60 days

___My report is inaccurate because of fraud

___I live in the USA and would like the free credit report afforded me once per year from each bureau.



Enclosed is a copy of any documentation I have to prove my case mentioned above and a copy of my
drivers license.



Signature
________________________


Street______________________
City_______________________
State_______________________
Zip________________________
DOB_______________________
Social______________________
Home Phone_________________
Work phone_________________

____ yes ____ no
I would like my credit score also so I enclosed 5 dollars for my score.




Send this letter to all three of the addresses below.
Trans Union                            Equifax                             Experian
P.O. Box 1000                          P.O. Box 740241                     P.O. Box 2104
Chester, PA 19022                      Atlanta, GA 30374-0241              Allen, TX 75013-2104
1-800-888-4213                         1-800-997-2493                      1-888-397-3742

Remember the free credit report process can take up to 30 days.
They will receive your request then assign it to a clerk who will then find your report and mail it to you.
BUT it is totally free.
Send and 5 dollars extra and ask for a credit score.
IF you are is a hurry, then I suggest the 3 bureau merged report you can see online in seconds.




Victim of credit fraud alert form letter. Credit fraud alert lost or stolen identity.
I am a victim of lost or stolen credit. Print and mail this page
First name _____________________ Middle I ___ Last name ___________________
Street address _______________________________________ Include Apartment #
City__________________________ state_______ zip ________
Own_______ rent______
Social security # _______________________
Date of birth ___/___/______
Drivers license number and state of issue____________________________________
Mothers maiden name or security password_________________________
If you have not lived at your current address for more than 2 years
Please enter your previous TWO addresses
Street _______________________________________________ Include Apartment #
City _________________ State _________ Zip __________
Street _______________________________________________ Include Apartment #
City _________________ State _________ Zip __________
Financial Information
Current employer (if self employed, DBA/company
name)_________________________
Street ____________________ city______ zip _________
I have had my credit stolen or lost and I would like a credit alert placed on my report.
Please do not extend or open new credit without contacting me first. Someone may be
using my credit to fraudulently obtain goods and services without my consent.
Here are all my phone numbers and email addresses
Home _______________
Cell _______________
Work _______________
Email _______________
I realize that if I have credit and debit cards that I am responsible for any charges
incurred
on already open credit accounts. I must call and freeze or alert these companies on my
own in a timely manner.
Signed ________________________________________ date ________


Include a copy of your drivers license and 2 other forms of identification. Phone bill.
Credit card bill. Or the like. Send letters NEXT DAY AIR, RECEIPT CONFIRMATION,
to all the above addresses.
4. Stolen identity , stolen credit cards, Lost credit cards...What do I do?
Mail form letter above to each of the 3 bureaus.


Trans Union
P.O. Box 1000
Chester, PA 19022
1-800-888-4213

Equifax
P.O. Box 740241
Atlanta, GA 30374-0241
1-800-997-2493

Experian
P.O. Box 2104
Allen, TX 75013-2104
1-888-397-3742

If you feel this has happened to you do 2 things. Send in a letter like this one and buy buy credit
monitoring so you will be double protected from the scammers of the world. The letter will be placed on
your report and the monitoring will double cover you and give you quicker notice about changes in your
report. It will certainly save you more than it cost in money and worry.

My 90 year old grandfather was in the hospital this weekend and lost his billfold which had everything in it.
I need to report his Driver License # and his Social Security # so no one will be applying for credit cards
etc. Who do I contact regarding this. I have called Experian, Transunion, and Equifax and no one can
seem to help me....

Do this first. I know you will have to do something about the Drivers License stuff. Get some utilities bills,
marriage license, social security check or go right now to the drivers license testing center and get anew
id to use. But HURRY. Mail this stuff next day air with confirmation receipt
Go to the local police department and file a report. Say it was stolen. which it probably was since you
don't have it. While he was sleeping or it was left somewhere and when he came back it was gone. No
one helped and lost and found does not have any records. Use your copy to send along with this form.
Direct credit reference sample form letter. Landlord rent mortgage loan

 XYZ Corp
111 Xyz Ave New York, NY 303030
Date 00, 2008
To: Whom it may concern
Prospective lender address here
City State Zip

Dear Lender:
Mr. and Mrs. Joe Some took out a mortgage loan in August 1999 secured by their
residence, the repayments of which have always been kept up to date. Their account
number is 00965738. Our records indicate there have been no 30 day late payments in
the last 12 months, and no 30 day late payments in the last 24 months.
Sincerely,
 Direct reference signature
 Phone and email
Note: A Credit reference letter must have 4 elements
    1. Date of original loan so as to establish how long you have had the account, as
       you are required to have had the account established for at least 24 months.
       Depending on the lender and the loan program, the last 12 months or the last 24
       months must be reviewed by the creditor. Payments must be timely, with no 30
       day late payments posted against the account.
    2. Account number.
    3. Late payments, if any, in the last 12 or 24 months. WE DEFINE A LATE
       PAYMENT AS A PAYMENT RECEIVED 30 DAYS AFTER ITS DUE DATE.
    4. Name and direct telephone number of the individual who prepared letter and
       reviewed account. Please try to obtain an email address.




Send this letter to all three of the addresses below.
Trans Union                                           Equifax                  Experian
P.O. Box 1000                                         P.O. Box 740241          P.O. Box 2104
Chester, PA 19022                                     Atlanta, GA 30374-0241   Allen, TX 75013-2104
1-800-888-4213                                        1-800-997-2493           1-888-397-3742

Remember the free credit report process can take up to 30 days.
Unauthorized Credit Inquiry

    Re: Unauthorized Credit Inquiry

  Dear American Express,

  I recently received a copy of my Experian credit report. The credit
  report showed a credit inquiry by your company that I do not recall
  authorizing. I understand that you shouldn't be allowed to put an
  inquiry on my file unless I have authorized it. Please have this
  inquiry removed from my credit file because it is making it very
  difficult for me to acquire credit.

  I have sent this letter certified mail because I need your prompt
  response to this issue. Please be so kind as to forward me
  documentation that you have had the unauthorized inquiry removed.

  If you find that I am remiss, and you did have my authorization to
  inquire into my credit report, then please send me proof of this.

  Thanking you in advance,


  Jane Caveat-Debtor
AGREEMENT TO COMPROMISE or REDUCE DEBT



ABC Collections, Inc, referred to as COLLECTION AGENCY and John Q. Consumer, referred to as
CONSUMER, agree to resolve the matter of the alleged debt, originally held by the
______________________ Company, hereafter referred to as the CLIENT. CONSUMER hereby agrees to
settle this alleged debt claimed by COLLECTION AGENCY on the following terms and conditions:

The COLLECTION AGENCY certifies that it is legally authorized to act in behalf of its CLIENT and that any
agreement that the COLLECTION AGENCY makes on behalf of CLIENT is legally binding on the CLIENT.

The COLLECTION AGENCY and the CONSUMER agree that alleged debt is $_____________.00
(_____________ & 00/100 dollars). While the CONSUMER feels that validity of the debt has not been
proved by the COLLECTION AGENCY, the parties agree that the COLLECTION AGENCY shall accept the
sum of $_________.00 (___________ & no/100 dollars) as full payment on the debt. The acceptance of
the payment will serve as a complete discharge of all monies due, and the COLLECTION AGENCY agrees
to consider the debt paid in full and agrees to not take further action to collect on the alleged debt. The
payment shall be made in the form of a cashier's check or money order.

Upon payment of the $_______.00, the COLLECTION AGENCY agrees to remove any listing or
information that the COLLECTION AGENCY may have placed on the CONSUMER'S credit report. The
COLLECTION AGENCY agrees to never at any time in the future place any information on the
CONSUMER'S credit report.

The CONSUMER feels that the negative information on CONSUMER's credit report is damaging and while
the exact estimation of the damage is not currently known, the CONSUMER estimates it to be $10,000
(ten thousand dollars and zero cents. Should the COLLECTION AGENCY fail to remove the listing or
reinsert it at a later date, the COLLECTION AGENCY agrees to award liquidated damages of $10,000 to
CONSUMER.

This compromise is expressly conditioned upon the payment being received by . If the CONSUMER fails
to pay the compromised amount by <date>, this contract will be immediately terminated.

The person signing this agreement, __________________________________, hereby declares that
he/she is authorized to act as an agent of the COLLECTION AGENCY.

This Agreement shall be binding upon and inure to the benefit of the parties, their successors, and
assignees.

Dated:
Signature: ____________

Legal Representitive of ABC Collections, Inc.

Signature: ____________

John Q. Consumer




Request to cease and Desist Reporting Outdated Debt
Your Name
123 Your Street Address
Your City, ST 01234

ABC Collections
123 NotOnYourLife Ave
Chicago, IL

Date

Re: Acct # XXXX-XXXX-XXXX-XXXX

To Whom It May Concern:

I am continually being called on the telephone by your firm over an alleged $9000 debt. According to the
information given to us by your firm, the date of last activity by the original creditor is July of 2002. The
SOL on this alleged debt, even should it be ours, is 5 years in the state of Illinois. Since the debt is out of
the statute of limitations, and you are reporting this on my credit report, you are conducting collection
activities on zombie debt.

I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act (FDCPA). However, I
would like to point out that your firm has violated provisions of the FDCPA by implying that the legal
status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute:

[15 USC 1692e]
(2) The false representation of --

(A) the legal status of the alleged debt

and

(B) any services rendered or compensation which may be lawfully received by any debt collector for the
collection of a debt.

I am also doubtful that you would have adequate documentation to prove in court that you have the
right to report this negative information on my credit report, and therefore you are in violation of the
Fair Credit Reporting Act as well as the FDCPA. However, I will give you the chance to prove that you are
lawfully entitled to report this information by requesting an investigation.

Under the FDCPA I am also invoking my right to ask you to stop contacting me unless you can provide
adequate validation of this alleged debt or notification that you are ceasing collections activiets.

Please remove this account immediately from my credit report or I will have to take legal remedies
which may include lawsuits and notifying our state attorney general's office. In addition, I'm sure your
legal staff will agree that non-compliance with this request could put your company in serious legal
trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation
is subject to a $1000 fine, payable to me.

Sincerely,

Your Name




Company
Address 1
Address 2
City, State Zip
Date
RE: Account XXXXX-XXXX-XXXXX
Dear Sir/Madam:
I am continually being called on the telephone by your firm over an alleged $9000 debt. I'm sure
you are aware of the provisions in the Fair Debt Collection Practices Act (FDCPA), and I am
requesting validation of this debt. I am requesting proof that I am indeed the party you are asking
to pay this debt, and there is some contractual obligation which is binding on me to pay this debt.
I request that you stop contacting us on the telephone and restrict your contact with us to writing,
and only when you can provide adequate validation of this alleged debt. To refresh your memory
on what constitutes legal validation, I am giving a list of the required documentation:

   •   Complete payment history, the requirement of which has been established via Spears v
       Brennan 745 N.E.2d 862; 2001 Ind. App. LEXIS 509 and
   •   Agreement that bears the signature of the alleged debtor wherein he agreed to pay the
       original creditor.
   •   Letter of sale or assignment from the original creditor to your company. (Agreement with
       your client that grants you the authority to collect on this alleged debt.) Coppola v. Arrow
       Financial Services, 302CV577, 2002 WL 32173704(D.Conn., Oct. 29, 2002) -
       Information relating to the purchase of a bad debt is not proprietary or burdensome.
       Debtor must phrase their request clearly to obtain: The source of a debt and the amount a
       bad debt buyer paid for plaintiff's debt, how amount sought was calculated, where in
       issue a list of reports to credit bureaus, and documents conferring authority on defendant
       to collect debt.
   •   Intimate knowledge of the creation of the debt by you, the collection agency.

I'm sure you know, under FDCPA Section 809 (b), you are not allowed to pursue collection
activity until the debt is validated. You should be made aware that in TWYLA BOATLEY,
Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT
FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account
indeed is considered collection activity.
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the
FDCPA.
I look forward to an uneventful resolution of this matter.
Sincerely,
Signature
Your Name
Your Address
City, State Zip
Equifax
1550 Peachtree Street
Atlanta, GA 30309
To Whom It May Concern:
Enclosed is a copy of the lawsuit that I filed against you in (my county) court
on March 22, 2001. Currently the Pretrail Conference is scheduled for April
10th, 2001 at 9:30 A.M. in courtroom #33. The case number is (insert case
#).
The reason the lawsuit was filed was due to a completely inadequate
response from your company. When someone is the victim of identity theft,
it is simply a nightmare trying to get false information removed from a credit
file. I have contacted all of the false creditors listed on my credit file. I have
challenged all of the false listings on my credit file. Nothing ever happens to
fix the situation.
Over 90 days ago I wrote each the creditors in question and demanded proof
that I am their customer. I asked for proof of the alleged debt, including
specifically the alleged contract or other instrument bearing my signature.
So far none of them has been able to provide such proof to me. I have sent
follow-up letters to each of them and there is still no proof. I have attempted
phone contact, but I simply get transferred around and nothing ever gets
accomplished.
I have fully investigated my rights in this matter. Under the doctrine of
estoppel by silence, Engelhardt v Gravens (Mo) 281 SW 715, 719, I may
presume that no proof of the alleged debt, nor therefore any such debt, in
fact exists. I have copies of the certified letters and dates prepared to bring
to court on April 10th. Also, under the Fair Credit Reporting Act, these
disputed items may not appear on my credit report if they cannot be
supported by any evidence.
Under the Fair Credit Reporting Act, if they cannot verify the debt within 30
days, then it must be removed. Your letters to me claim to have ‘verified’ the
debt, but this is in fact not true under law. Simply contacting the alleged
creditor and asking them to match up numbers in their database is no
sufficient verification for identity theft. Of course the information matches
up. Someone clearly used my information without my authorization.
Now I am suing Equifax for being such a pain in the posterior to me. I have
provided more than sufficient evidence to get these false accounts removed.
You may contact me before April 10th at (my phone number) or at my
address listed at the top of this letter. This matter can be settled simply by
your agreement to remove the false information from my credit file.
I require a response, on point, in writing, hand signed, and in a timely
manner. If I get another pointless letter from you saying that it has already
been ‘verified’ then there will be no more opportunity for negotiation. This
will proceed in court until I have successfully proven to a judge that this
false information must be removed from my credit file. I will also be
aggressively pursuing the full judgment that I can get against Equifax for
violation of the Fair Credit Reporting Act and Defamation.
I have already won a similar lawsuit against Trans Union. Enclosed is a copy
of that settlement. I will agree to a similar settlement with Equifax if you
contact me before April 10th. If you accept the same terns as Trans Union
did, then I will dismiss my lawsuit against Equifax and you will not need to
appear in (my county and state).
The items to be removed from my credit report are listed as follows:
(listed 6 accounts and account numbers)
I look forward to your response.
Sincerely,
(my name)
Send this letter to all three of the addresses below.
Trans Union                          Equifax                        Experian
P.O. Box 1000                        P.O. Box 740241                P.O. Box 2104
Chester, PA 19022                    Atlanta, GA 30374-0241         Allen, TX 75013-2104
1-800-888-4213                       1-800-997-2493                 1-888-397-3742

Remember the free credit report process can take up to 30 days.
Notification of Lawsuit to Credit Bureau for Inaccurate Reporting
IN THE SUPERIOR COURT OF THE STATE OF [YOUR STATE]
IN AND FOR THE COUNTY OF [YOUR COUNTY]

[The Original Plaintiff] Plaintiff,

vs.

[YOU] ,

Defendant.

No. [COURT REFERENCE NUMBER]

MOTION AND DECLARATION TO VACATE JUDGMENT
NOW COMES the Plaintiff, Pro Se and prays this Honorable Court to Deny the Defendant's Motion to
Dismiss and Motion for Sanction for the following reasons:

1. Relief requested. The defendant(s) move(s) the court for an order vacating the judgment entered in
this action and staying enforcement of the writ of restitution until the motion can be heard.

2. Statement of facts and issues. This motion is based on the following grounds: (Enter your reasons: you
weren't properly served, the judgment was entered even though you filed the right paperwork)

Dated: .

______________________________
Defendant(s) (Signature)

Defendant(s) Name (Print)

Address

Telephone Number

DECLARATION
I, [my name], declare as follows:
1. I am the defendant in this unlawful detainer action.
2. I request that the judgment entered in this action be vacated for the following reasons:
Give your reasons: A) the collection agency never responded to my request for validation, therefore
never giving any proof that the debt was mine under the FDCPA. B) The amount of the debt exceeded
the state's usury interest limits

I certify under penalty of perjury under the laws of the state of YOUR STATE that the foregoing
statement is true.
Signed in [CITY], [STATE] on [DATE].

__________________________________ Signature

Print or Type Name




June 13, 2010
Addresses etc
Your firm has failed to send the legally required validation of this debt. You
have been notified that your actions are detrimental to me and that your
firm has violated (including but not limited to) the Consumer Credit
Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection
Practices Act.
Your firm knew or should have known that the actions taken against me and
the information collected about me was inappropriate and damaging to me.
Failed to use reasonable care in the course of business and failed to use
even minimal procedures to ensure that I was not harmed.
Communicated and are continuing to communicate incorrect and defamatory
information to third parties including but not limited to: Equifax, Experian,
and Trans Union.
As a result of these blatantly reckless, wanton, and intentional acts, I have
suffered and continue to suffer general and specific damages. I am also very
upset at your firm's intentional infliction of emotional distress and at the
other diminishments of the quality of my life.
I am now demanding the immediate and complete removal of this tradeline
from my credit reports (Equifax, Experian, and Trans Union).
As I am currently attempting to apply for credit, time is of the essence.
Please understand that I am extremely concerned about the consequences
of the actions your firm is having on my life. Please be advised that, if this
matter is not resolved by xxx, I will take any and all necessary steps to
protect my rights.
Thank you in advance for your attention to this matter.
Sincerely
(my name)

				
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