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Especially for Reader 65/ Bravegirl and the rest of the New Yorkers out there.. FINALLY got a letter form Andrienne Walters ofthe Bureau of Consumer Frauds and Prevention (VanVoris's boss,perhaps?) They have "received and reviewed my complaint".. Policy is to intervene IF WE BELIEVE THAT OUR MEDIATION MAY BRING ABOUT RESOLUTION. She is 'forwarding a copy of your complaint to the company to request a statement of their position and a possible adjustment..." " they will contact me again when there are developments to report" First of all, they must think that the complaint has some justification and that they can intervene. That is good. Also, the same complaint to the FCPB resulted in a letter asking me for permission to pull my credit reports- my request to them was that paid settlements on accounts with CA's were not recognized as their definition of "paid" and that EXP would keep the OC on even if the CA was paid, regardless of % paid or if it was under court supervision and approved by the judge. I am also doing a complaint to EXP asking that my three OC's reporting.provide a full spectrum of information, not as a dispute but as an investigation. Two of the three of them have no statements left (all given to collector) and all three have no original credit card contract... so if they confirm the information requested, they are violating section 623 and will have to remove the tradeline...Again, took names and numbers and asked for the name and number of the contact person at OC conducting the investigation... So, three angles of pursuit, hoping hoping hoping. PM me if you want the letter to the Exp requesting a laundry list of exact information. what is that Happy song again??? I am happy happy happy hoping hoping hoping..