Nutcase…… Brought me to tears!!

[funkiehouse]

OMG, so after hearing about nut cases for quite some time now I finally read a sample nutcase letter and it took me an hour to get rid of the cramps in my ribs from laughing so hard. I know the name had a close meaning to the letter but my god I about shat myself. I really need to try this and see what happens. I have a couple of CO with OCs that I would love to get rid of and maybe I should try this. I might create another version, inspired by nut cases, to send to other OCs that have been sold to JDB.

 

Anyone had any recent luck with this??

 

I also thought about writing a letter in crayon at a 5 y/o level saying "Please delete my daddy's account so he can buy me a house to live in. Love Jimmy"

 

I believe this is Doc's original nutcase:

 

Date


Name of Old Fully-Paid Acquaintance
Address
City, STATE ZIP

To Whom It May Concern:

I am formally requesting that you validate all tradeline notations you have submitted to the three major credit reporting agencies by “NAME OF COLLECTION AGENCY” or “NAME OF ORIGINAL CREDITOR” for me, YOUR NAME, for account number XXXXXXXXX.

Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. Note that section 1681s-2( of the Fair Credit Reporting Act creates a cause of action for a consumer against a furnisher of erroneous credit information (Nelson v. Chase Manhattan).

I have enclosed two documents which will verify my address: a photocopy of a [YOUR STATE] Driver’s License and a photocopy of a recent [NAME OF UTILITY OR TELEPHONE COMPANY] statement.

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes.

I look forward to a timely and amicable resolution to this matter.

Sincerely yours,

Your Name
Address
City, STATE ZIP

[Gottahaveit609]

Some of the letters here are hilarious, gotta love this board.

[Jaboon]

I tried one similar to that and crapone sent me a bs response..now moving to 623..they wont take a pfd and it is out of my states SOL so they cant sue for it....

 

Frustrating...especially when i called and said "look..i screwed up and want to pay the full amount to you for a deletion..rep said sure you can pay but it will only show paid collection..no good for me so i hung up..lol!

[funkiehouse]

I tried one similar to that and crapone sent me a bs response..now moving to 623..they wont take a pfd and it is out of my states SOL so they cant sue for it....

 

Frustrating...especially when i called and said "look..i screwed up and want to pay the full amount to you for a deletion..rep said sure you can pay but it will only show paid collection..no good for me so i hung up..lol!

Yeah, I've been on the horn a lot lately with Crap One EO about some HSBC COs that I don't feel they should be allowed to report. Sent off a CFPB yesterday to see what happens. They are about a tough as those PITAs over at Last Premier.

[ICANHASMUNY?]

you need update it by throwing in the Dodd Frank Act UDDAP's

 

http://creditboards.com/forums/index.php?showtopic=516961&hl=

[funkiehouse]

you need update it by throwing in the Dodd Frank Act UDDAP's

 

http://creditboards.com/forums/index.php?showtopic=516961&hl=

Oh yeah!! Thanks for the reminder!!