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  1. Okie dokie.... so to be clear.... even if one was not including a report number..... 1. Order free credit report. 2. Dispute filed. - 45+5 3. New dispute filed. - 30+5?????? Does any future dispute after the first one associated with the AFCR trigger 45 days or only the first? I'm glad you popped by! I had never thought this through actually......
  2. Yep, today marks the 30+5 day. I thought I'd mail tomorrow depending on the feedback I receive here. While you're here though.... I know that the free report gives them 45+5 days to investigate, but when they send you a new report with a new report number that 45+5 goes away right? Clarification - From the free reports in Dec 2011, I have disputed other times with the CRAs and have received my updated reports with different report numbers. The next dispute would reference the new report number and so on. Once I am no longer using the report number associated with the first report from the free credit report, I'm good to go right?
  3. The last time was December 2011. I am disputing with new credit report reference numbers.
  4. Hi! My local JP court takes cases concerning federal law, I know it can be motioned out, but I'd probably still start it there... let them pay the filing fees in federal court if they want to move it. § 618. Jurisdiction of courts; limitation of actions [15 U.S.C. § 1681p] An action to enforce any liability created under this title may be brought in any appropriate United States district court, without regard to the amount in controversy, or in any other court of competent jurisdiction, not later than the earlier of (1) 2 years after the date of discovery by the plaintiff of the violation that is the basis for such liability; or (2) 5 years after the date on which the violation that is the basis for such liability occurs. The CRA does NOT have 45 days because I did not provide them with any additional information. Extension of period to reinvestigate. Except as provided in subparagraph ©, the 30-day period described in subparagraph (A) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.
  5. Hi there love! You could always............ read the thread again??????
  6. Apologies about the spacing, it happens automatically when I cut and paste from Microsoft Word.
  7. I drafted my ITS to go out to AFNI, critiques please? AFNI, Inc.P.O. Box 3097 Bloomington, IL61702 Re: Acct # XXXXXXXXXXXXx To whom it mayconcern: This letter is tonotify you of my intent to file suit in the form of a complaint to the localcourt of jurisdiction. I have included the complaint with this letter. I havealso included a copy of my original dispute letter as well as my Return Receiptauthorized by an agent of AFNI on xx/xx/xxxx. You have violated myrights and my state’s laws. You, AFNI, Inc did not respond to my dispute ofaccuracy as provided for in TFC 392.202. Additionally, you continued collectionefforts when you placed and/or sold my account to another debt collector. The following listincludes, but is not limited to, the laws you have violated: 1. TFC392.202 (a) – AFNI failed to cease collection efforts pending the outcome ofthe dispute. This is clearly documented by the assignment / sale of the debt toanother debt collector. 2. TFC392.202 ( – AFNI failed to comply with Texas timeline of 30 days in whichAFNI will provide a written statement regarding the outcome of dispute. 3. TFC392.202 (e) – AFNI failed to respond with a determination of accurate orinaccurate. 4. TFC392.304 (a) 8 – AFNI has misrepresented this debt and has sold / assigned thisdebt to another debt collector as a collectable debt without notice of dispute. I will be seeking$1,000.00 per violation as allowed for by TFC 392.403 (a) for a total claim forrelief totaling $4,000.00. You have 15 days from the receipt of this letter tocontact me and discuss a settlement. For this purpose, I lift my previouslyinstituted cease and desist order and I allow you to contact me by telephone atXXX-XXX-XXXX. I look forward tohearing from you. Sincerely, Me J
  8. Again, apologies for the issues I seem to always have when I cut and paste things from Microsoft Word. My typed document does not have the spacing issues seen above. Please disregard the fact that it looks like I've never been introduced to a spacebar.
  9. Dear Credit Bureau, I recently filed a dispute with your company per the FCRA611 (a) 1 (A) stipulations. You received this dispute on xx/xx/xxxx asrepresented by the enclosed Return Receipt via United States Postal Service. According to FCRA 611 (a) 1 (A), you have 30 days fromthe date of receipt of my dispute to complete your investigation and determinethe accuracy of disputed items or delete them in their entirety. As of today’s date, I have not received anything fromyour offices. This is my notice to you that I am demanding all disputed itemsbe deleted in their entirety. If this demand is not met it is my intention tofile suit against your company here in the court which maintains jurisdiction. I have included the following items for your reference: 1. A copy of the original dispute letter. 2. A copy of the Return Receipt authorized by anagent of your company. 3. A draft of the complaint I plan on filing withmy local court. 4. Proof of my identity in the form of a copy of mydriver’s license, social security card and a copy of a utility bill located atmy current address. You have no more than 5 business days from the receipt ofthis letter until I will follow through and file a complaint with the court. Again, the only acceptable resolution in your failure tocomply with federal law is the complete and entire deletion of each disputeditem. Sincerely, Me
  10. Question - The TFC states this is true when you dispute with the CA, but not the CRA. The letter she received was in response to the dispute she filed with the CRA. Am I missing something? Hope so because I too am dealing with them.
  11. State laws are awesome aren't they?
  12. Thanks LKH, again, I appreciate your way of teaching.... a gentle question and a nudge in the right direction.... teach a man to fish style. Lessons learned from this thread.
  13. Thanks for all the clarification and your particular style of educating! Happy evening LKH!
  14. LKH, But Midland is reporting and suggesting they are a factoring company with an open tradeline..... so under their own description, until it is challenged, shouldn't they be responsible for following OC guidelines?

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