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vandiar

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  1. I asked them to validate the debt and it looks to me like they pretty much ignored my request by sending that letter in response.
  2. The debts are way past my states SOL (3 years). I sent them the first letter, CM with return receipt and that was the response that I received. That is the problem. I asked for validation and they sent me that letter in response. I am not sure what I need to do next. Send them a follow up letter? Go ahead and dispute with the CRA? Thank you for your response!!
  3. I sent a validation request to portfolio recovery on two accounts. Here is the letter that I sent. May 22, 2015 Dear debt collector: I am responding to your contact about a debt you are trying to collect. You contacted me by mail on April 23, 2015. You then identified the debt as delinquent and offered me a settlement. However, I am not fully informed about the details of this account. Be advised that this is not a refusal to pay but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( that your claim is disputed and validation is requested. Please supply the information below so that I can be fully informed: What made you think I allegedly owe this debt, and to whom do I owe it to? The information needs to include the following information: • The name and address of the creditor to whom the debt is currently owed and the account number used by that creditor. Also what was the money you say I owe used for? • If this debt started with a different creditor, please provide the name and address of the original creditor, the account number used by that creditor, and the total amount owed to that creditor at the time of transfer. In addition, tell me when the current creditor obtained the debt and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them by, especially if they are different than the official name. • Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? • If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, specifically: • A copy of the last billing statement supposedly sent to me by the original creditor. • State the amount of the debt when you actually obtained it, and when that was. • If there have been any additional interest, fees, or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. • If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. • If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. • Tell me when the creditor claims this debt became due and when it became delinquent. • Identify the date of the last payment made on this account. • Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. I have asked for this information because I have some questions about this debt. Because of my questions, please consider the debt to be disputed at this time. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau (or have already done so), also report that the debt is disputed. In addition, you should state in any report that you have failed to fully verify the debt in response to my request (unless you have already provided all the necessary information). If you fail to provide any of the information or documentation I have asked for, please say why. If you do not provide it, and do not adequately explain why, I will understand that you are unable to confirm or document your claims. I have just a few more questions to ask. I need to know some details about your authority to collect on this purposed debt… • I would like to more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. • If you are contacting me from a location outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. Thank you for your cooperation. Sincerely, -------------------------- Here was their response https://drive.google.com/file/d/0BzxutAMC_wQCWmRta0lEZDI4ek0/view?usp=sharing What should be my next move? I haven't sent anything to the CRA yet. It should be noted that I sent two letters to portfolio recovery regarding to accounts they are trying to collect and they sent me that letter in response to each one.
  4. So I need to target specific items on my credit report when disputing with a CRA. I kept reading that for the initial dispute to go for the deletion based on them needing to verify the listing.. if they are unable to verify it then they have to delete. Then on the second round of disputes is when I start targeting specific items. That was my impression anyways.
  5. They are all past the SOL. The SOL is 3 years. Not sure why images aren't showing up will post data instead.
  6. Hey man thank you so much!! I am not sure why they didn't show. I am not even able to edit my original post. I will probably just make a new thread on it and link the images correctly
  7. Yeah sorry man your right. This board seems to be quite active at all hours of the day so I felt left out . I should have made this thread long ago. The first notice was sent on the 23th so I only have one more day to submit the dispute within the 30 day period.
  8. Are you not allowed to edit the original post? I need to edit one of the screenshots too.
  9. Wow I am still looking for the edit button. I am using both chrome and mozilla. Where is it located so I know for future reference? Thanks to the person who edited the content for me. I thought I removed all of that information. Sorry.. let me try again.
  10. I have been reading this site for months now.. sometimes until I feel like my eyeballs are going to pop out of my socket. This is what I have gathered so far in my credit repair efforts. I have already removed all personal addresses from each credit report. I have also paid for the three credit reports I intend on using for disputes so the CRA will only have 30 days instead of 45 to verify. Here are the three baddies I am going after initially. Equifax Listing - Portfolio Recovery - Citibank Equifax Listing - Portfolio Recovery - CapitalOne Cavalry Portfolio service - listed in TU and Experian but not Equifax Here is the TU listing ----------------------------------------------------------------------------- I plan on utilizing the 1-2 punch in this case. Here is the correspondence I have received from Portfolio Recovery on the Citibank and Cap1 account. Okay. Here is the first letter I am going to use for both of these collection accounts. With the key pieces exchanged in either letter. Dear debt collector: I am responding to your contact about a debt you are trying to collect. You contacted me by mail on April 30, 2015. You then identified the debt as delinquent and offered me a settlement. However, I am not fully informed about the details of this account. Be advised that this is not a refusal to pay but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( that your claim is disputed and validation is requested. Please supply the information below so that I can be fully informed: What made you think I allegedly owe this debt, and to whom do I owe it to? The information needs to include the following information: • The name and address of the creditor to whom the debt is currently owed and the account number used by that creditor. Also what was the money you say I owe used for? • If this debt started with a different creditor, please provide the name and address of the original creditor, the account number used by that creditor, and the total amount owed to that creditor at the time of transfer. In addition, tell me when the current creditor obtained the debt and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them by, especially if they are different than the official name. • Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? • If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, specifically: • A copy of the last billing statement supposedly sent to me by the original creditor. • State the amount of the debt when you actually obtained it, and when that was. • If there have been any additional interest, fees, or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. • If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. • If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. • Tell me when the creditor claims this debt became due and when it became delinquent. • Identify the date of the last payment made on this account. • Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. I have asked for this information because I have some questions about this debt. Because of my questions, please consider the debt to be disputed at this time. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau (or have already done so), also report that the debt is disputed. In addition, you should state in any report that you have failed to fully verify the debt in response to my request (unless you have already provided all the necessary information). If you fail to provide any of the information or documentation I have asked for, please say why. If you do not provide it, and do not adequately explain why, I will understand that you are unable to confirm or document your claims. I have just a few more questions to ask. I need to know some details about your authority to collect on this purposed debt… • I would like to more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. • If you are contacting me from a location outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. Thank you for your cooperation. Sincerely, Vandiar ---------------------------------------------------------------------------------------------------------------------------------------------------------- I never received a correspondence from Cavalry yet they are reporting to two of the 3 CRA. So this is the letter I am going to send to them. To Whom It May Concern: I recently pulled a copy of my credit report and I was left flabbergasted by what I seen! Where did this collection account come from? I was never notified that this account even existed. According to the FDCPA, failure to notify me is a violation. First let me state that this is not a refusal to pay this mysterious debt, but a notice that your claim is disputed. Moreover, under the FDCPA, I have the right to request validation of any alleged debt. I am requesting proof that I am truly the person you are seeking to pay this debt. In addition, I need you to provide me a copy of the contractual agreement showing my signature so I can be fully informed on the matter. As you probably know, reporting inaccurate information to the CRA could be construed as defamation of character, as the negative marks on my credit report have been causing me grief because I am being denied the right to enjoy the benefits of having good credit Finally, until you provide me with proper validation of this debt, you are not allowed to pursue any collection activities including reporting this information to any of the consumer reporting agencies. Please attach copies of: · Complete payment history, the requirement of which has been established via Spears vs. Brennan and · Agreement that shows 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.) Regards, ---------------------------------------------------------------------------------------------- Here is the letter I am going to send to the CRA just as soon as I receive notice the collection agencies receive my disputes. To whom it may concern: This letter is a formal notice that you are reporting inaccurate and incomplete information. Honestly, I am very confused as to how and why you guys fail to maintain reasonable procedures that will ensure a high level of accuracy in the reports you publish. Credit Repair laws such as the FCRA and the FDCPA were formulated to enforce and ensure CRA’s are reporting information that is 100% accurate!. This means that every step must be taken to ensure the information is accurate and correct. I hope I drove my point home by putting a heavy emphasis on accuracy. With that said, I have a few things I need you to look at for me today. 1. Portfolio Recovery #50499 2. Portfolio Recovery #5178 3. Calvary Portfolio Service (partial) #1930**** I request to be provided proof of these alleged debts. To be more specific, please provide me any contracts bearing my signature. Also please verify that the dates and balances associated with each account are listed correctly. If you cannot verify this information, then the items need to be deleted immediately! Regards -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- What do you guys think? Is this a good start? What would you do differently? Please give me some advice!!! I am just a lowly apprentice in the credit repair game. I am sending all letters out CMMRR. As stated before the technique I am using is the 1-2 punch. The goal in mind is for the collection agencies to receive my disputes CM and when they sign for them I am going to immediately dispute with the CRA. I am hoping to catch the collection agencies verifying with the CRA before validating the debts with me. Any advice is appreciated!! Thank you!!
  11. Sorry for not responding sooner I have been so damn busy!! I Just wanted to say thank you !! That definitely answered my questions.
  12. Were any of the addresses removed tied to negative accounts? How many did he remove? Yes!! Most of them had negative tradelines associated with them. In fact, the one I was most concerened about how about 6 negative tradelines associated with it. I told him, just like another poster here had said, it was associated with an ex girlfriend and she was bat s*** nuts. He sounded like a young guy and definitely was able to relate. It was the first one he removed for me. His name is Damen from "Team Impact" FYI. He removed about eight of them total. He finished removing the ones left over from from the prior EX agent that wouldn't remove the rest because they were associated with trade lines.
  13. Yes absolutely. The guy I talked to was very helpful.

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