Wrongful foreclosure intent to sue demand letter? Is it good?

[TheChosenOne]

Hey guys,

 

I just threw this letter together on an old mortgage that was settled out of court as a wrongful foreclosure but they refuse to let go of off our reports. Let me know if you have any suggestions. Thanks in advance...

 

 

 

To Whom It May Concern:

I have disputed the above referenced account, which was involved in a wrongful foreclosure settlement, on multiple occasions. This account which was settled in full, with the terms of the settlement that there be a nondisclosure agreement to 3rd parties. Credit Bureaus constitute as a 3rd party, and your continued verification and reporting of said account is in direct violation of the contractual agreement entered into by both parties.

Since I have disputed this account multiple times and your company has insisted on continued collection activity by verfication, Please know that you have 10 days from the tracked and confirmed delivery of this lawful notice to answer this demand and remove the associated negative tradeline notations from the any credit reporting agency reports. Any other action may void any previous contractual agreement, constitute grounds for new litigation for damages incurred, and 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,

 

Tco

 

 

[Kuuner]

Well...there are a lot of big juicy words in there. Did your settlement agreement mention anything specific about credit reporting? All of mine do. Your gonna spend thousands to argue on the definition of "3rd party" and then thousands more on the timing of reporting. Did they report after the settlement or before and during?

 

If you have the thousands, I say go for it as written! If you are just throwing the letter out there with no intent to actually retain counsel and sue? Well, still, go for it. Can't hurt right?

 

I'd be sure that your definition of 3rd party matches the definition in the settlement agreement and I'd be really sure there is a definition in the settlement agreement. I'd be really sure you are talking about the same timeline they think you are talking about. (Again...reporting pre settlement versus post settlement).

 

You said "Old"? How old? meaning, are you gonna file suit when the tradeline might fall off your credit completely soon?

[TheChosenOne]

Well...there are a lot of big juicy words in there. Did your settlement agreement mention anything specific about credit reporting? All of mine do. Your gonna spend thousands to argue on the definition of "3rd party" and then thousands more on the timing of reporting. Did they report after the settlement or before and during?

 

If you have the thousands, I say go for it as written! If you are just throwing the letter out there with no intent to actually retain counsel and sue? Well, still, go for it. Can't hurt right?

 

I'd be sure that your definition of 3rd party matches the definition in the settlement agreement and I'd be really sure there is a definition in the settlement agreement. I'd be really sure you are talking about the same timeline they think you are talking about. (Again...reporting pre settlement versus post settlement).

 

You said "Old"? How old? meaning, are you gonna file suit when the tradeline might fall off your credit completely soon?

 

Well the idea is that they won't spend thousand to defend the ability to try to keep a tradeline on our reports another year or so. That tactic is pretty successful in my experience, albeit usually with collections than with OCs. I'm wagering on the fact they're not going to put all that much time into the matter, since it is written off and theres no more money to be made on the account anyway.

 

How old? I think we settled sometime in 2012. That could leave another couple years for it to report.

 

As far as the pre settlement vs. post settlement, they are verifying with the CRAs so they are actively communicating with the 3rd party post agreement.

[Kuuner]

 

Well...there are a lot of big juicy words in there. Did your settlement agreement mention anything specific about credit reporting? All of mine do. Your gonna spend thousands to argue on the definition of "3rd party" and then thousands more on the timing of reporting. Did they report after the settlement or before and during?

 

If you have the thousands, I say go for it as written! If you are just throwing the letter out there with no intent to actually retain counsel and sue? Well, still, go for it. Can't hurt right?

 

I'd be sure that your definition of 3rd party matches the definition in the settlement agreement and I'd be really sure there is a definition in the settlement agreement. I'd be really sure you are talking about the same timeline they think you are talking about. (Again...reporting pre settlement versus post settlement).

 

You said "Old"? How old? meaning, are you gonna file suit when the tradeline might fall off your credit completely soon?

 

Well the idea is that they won't spend thousand to defend the ability to try to keep a tradeline on our reports another year or so. That tactic is pretty successful in my experience, albeit usually with collections than with OCs. I'm wagering on the fact they're not going to put all that much time into the matter, since it is written off and theres no more money to be made on the account anyway.

 

How old? I think we settled sometime in 2012. That could leave another couple years for it to report.

 

As far as the pre settlement vs. post settlement, they are verifying with the CRAs so they are actively communicating with the 3rd party post agreement.

 

timeline starts with the dofd, not the dold. I think it's a waste of your time and money but again, won't hurt to throw the letter in the mail. There is no incentive for them to change anything until or unless you sue. We get "Here ye, here ye, common law, and a whole bunch of other Latin words" in letters daily threatening us if we don't remove a tradeline because...and we don't do anything unless our reporting is incorrect... until it comes from an attorney. THEN we just send the letter to OUR attorney and let them respond to their attorney.

 

I'd be curious what your settlement agreement defines as a 3rd party.

Edited January 18, 2018 by Kuuner

[TheChosenOne]

 

 

Well...there are a lot of big juicy words in there. Did your settlement agreement mention anything specific about credit reporting? All of mine do. Your gonna spend thousands to argue on the definition of "3rd party" and then thousands more on the timing of reporting. Did they report after the settlement or before and during?

 

If you have the thousands, I say go for it as written! If you are just throwing the letter out there with no intent to actually retain counsel and sue? Well, still, go for it. Can't hurt right?

 

I'd be sure that your definition of 3rd party matches the definition in the settlement agreement and I'd be really sure there is a definition in the settlement agreement. I'd be really sure you are talking about the same timeline they think you are talking about. (Again...reporting pre settlement versus post settlement).

 

You said "Old"? How old? meaning, are you gonna file suit when the tradeline might fall off your credit completely soon?

 

Well the idea is that they won't spend thousand to defend the ability to try to keep a tradeline on our reports another year or so. That tactic is pretty successful in my experience, albeit usually with collections than with OCs. I'm wagering on the fact they're not going to put all that much time into the matter, since it is written off and theres no more money to be made on the account anyway.

 

How old? I think we settled sometime in 2012. That could leave another couple years for it to report.

 

As far as the pre settlement vs. post settlement, they are verifying with the CRAs so they are actively communicating with the 3rd party post agreement.

 

timeline starts with the dofd, not the dold. I think it's a waste of your time and money but again, won't hurt to throw the letter in the mail. There is no incentive for them to change anything until or unless you sue. We get "Here ye, here ye, common law, and a whole bunch of other Latin words" in letters daily threatening us if we don't remove a tradeline because...and we don't do anything unless our reporting is incorrect... until it comes from an attorney. THEN we just send the letter to OUR attorney and let them respond to their attorney.

 

I'd be curious what your settlement agreement defines as a 3rd party.

 

 

Yea I know when the timeline starts. Actually I've had a ridiculous amount of success with tradelines being removed with just a threat of litigation and never any papers from a lawyer. Are you a collector? I mean you're spreading info that I can personally verify as very false so... I just cleaned somebody's credit with zero letters from lawyers. I've been doing this for awhile...

 

As far as bothering your company's attorney with every paper that comes through threatening litigation on an account that has no balance or reason to be verified, I'm going to call BS. The billable hours would rack up at exponential rate. I know if the CRAs flinch at the word litigation, and I'm betting you guys do too. I'm willing to bet you don't verify with the CRAs after you get a letter like that. Trust me, this is experience talking.

Edited January 18, 2018 by TheChosenOne

[Kuuner]

 

 

 

Well...there are a lot of big juicy words in there. Did your settlement agreement mention anything specific about credit reporting? All of mine do. Your gonna spend thousands to argue on the definition of "3rd party" and then thousands more on the timing of reporting. Did they report after the settlement or before and during?

 

If you have the thousands, I say go for it as written! If you are just throwing the letter out there with no intent to actually retain counsel and sue? Well, still, go for it. Can't hurt right?

 

I'd be sure that your definition of 3rd party matches the definition in the settlement agreement and I'd be really sure there is a definition in the settlement agreement. I'd be really sure you are talking about the same timeline they think you are talking about. (Again...reporting pre settlement versus post settlement).

 

You said "Old"? How old? meaning, are you gonna file suit when the tradeline might fall off your credit completely soon?

 

Well the idea is that they won't spend thousand to defend the ability to try to keep a tradeline on our reports another year or so. That tactic is pretty successful in my experience, albeit usually with collections than with OCs. I'm wagering on the fact they're not going to put all that much time into the matter, since it is written off and theres no more money to be made on the account anyway.

 

How old? I think we settled sometime in 2012. That could leave another couple years for it to report.

 

As far as the pre settlement vs. post settlement, they are verifying with the CRAs so they are actively communicating with the 3rd party post agreement.

 

timeline starts with the dofd, not the dold. I think it's a waste of your time and money but again, won't hurt to throw the letter in the mail. There is no incentive for them to change anything until or unless you sue. We get "Here ye, here ye, common law, and a whole bunch of other Latin words" in letters daily threatening us if we don't remove a tradeline because...and we don't do anything unless our reporting is incorrect... until it comes from an attorney. THEN we just send the letter to OUR attorney and let them respond to their attorney.

 

I'd be curious what your settlement agreement defines as a 3rd party.

 

 

Yea I know when the timeline starts. Actually I've had a ridiculous amount of success with tradelines being removed with just a threat of litigation and never any papers from a lawyer. Are you a collector? I mean you're spreading info that I can personally verify as very false so... I just cleaned somebody's credit with zero letters from lawyers. I've been doing this for awhile...

 

As far as bothering your company's attorney with every paper that comes through threatening litigation on an account that has no balance or reason to be verified, I'm going to call BS. The billable hours would rack up at exponential rate. I know if the CRAs flinch at the word litigation, and I'm betting you guys do too. I'm willing to bet you don't verify with the CRAs after you get a letter like that. Trust me, this is experience talking.

 

LOL...I'm spreading info that is false? I've dealt with those like you for 25 years as an original creditor, which means that I'm also a collector. You may be getting lucky but I'm confident its luck and not skill or statute on your side. I have no doubt that some of your tactics have worked but again, you've been lucky. You take your path, I'll continue on mine.

 

You also apparently don't read too well. I never said anything about not bothering to verify. I'm done with this topic as it's turned from helping people and providing opinions and advice to you wanting to flex your brain muscles and your ego. You go ahead and toot your horn about how smart you are and about how dumb lenders and creditors are and how scared they are with all of your big letters and words. Readers of your diatribes will form their own opinions and draw their own conclusions.

[TheChosenOne]

 

 

 

 

Well...there are a lot of big juicy words in there. Did your settlement agreement mention anything specific about credit reporting? All of mine do. Your gonna spend thousands to argue on the definition of "3rd party" and then thousands more on the timing of reporting. Did they report after the settlement or before and during?

 

If you have the thousands, I say go for it as written! If you are just throwing the letter out there with no intent to actually retain counsel and sue? Well, still, go for it. Can't hurt right?

 

I'd be sure that your definition of 3rd party matches the definition in the settlement agreement and I'd be really sure there is a definition in the settlement agreement. I'd be really sure you are talking about the same timeline they think you are talking about. (Again...reporting pre settlement versus post settlement).

 

You said "Old"? How old? meaning, are you gonna file suit when the tradeline might fall off your credit completely soon?

 

Well the idea is that they won't spend thousand to defend the ability to try to keep a tradeline on our reports another year or so. That tactic is pretty successful in my experience, albeit usually with collections than with OCs. I'm wagering on the fact they're not going to put all that much time into the matter, since it is written off and theres no more money to be made on the account anyway.

 

How old? I think we settled sometime in 2012. That could leave another couple years for it to report.

 

As far as the pre settlement vs. post settlement, they are verifying with the CRAs so they are actively communicating with the 3rd party post agreement.

 

timeline starts with the dofd, not the dold. I think it's a waste of your time and money but again, won't hurt to throw the letter in the mail. There is no incentive for them to change anything until or unless you sue. We get "Here ye, here ye, common law, and a whole bunch of other Latin words" in letters daily threatening us if we don't remove a tradeline because...and we don't do anything unless our reporting is incorrect... until it comes from an attorney. THEN we just send the letter to OUR attorney and let them respond to their attorney.

 

I'd be curious what your settlement agreement defines as a 3rd party.

 

 

Yea I know when the timeline starts. Actually I've had a ridiculous amount of success with tradelines being removed with just a threat of litigation and never any papers from a lawyer. Are you a collector? I mean you're spreading info that I can personally verify as very false so... I just cleaned somebody's credit with zero letters from lawyers. I've been doing this for awhile...

 

As far as bothering your company's attorney with every paper that comes through threatening litigation on an account that has no balance or reason to be verified, I'm going to call BS. The billable hours would rack up at exponential rate. I know if the CRAs flinch at the word litigation, and I'm betting you guys do too. I'm willing to bet you don't verify with the CRAs after you get a letter like that. Trust me, this is experience talking.

 

LOL...I'm spreading info that is false? I've dealt with those like you for 25 years as an original creditor, which means that I'm also a collector. You may be getting lucky but I'm confident its luck and not skill or statute on your side. I have no doubt that some of your tactics have worked but again, you've been lucky. You take your path, I'll continue on mine.

 

You also apparently don't read too well. I never said anything about not bothering to verify. I'm done with this topic as it's turned from helping people and providing opinions and advice to you wanting to flex your brain muscles and your ego. You go ahead and toot your horn about how smart you are and about how dumb lenders and creditors are and how scared they are with all of your big letters and words. Readers of your diatribes will form their own opinions and draw their own conclusions.

 

 

HOW DID I KNOW YOU WERE A COLLECTOR? HOWWWW "those like me". You're right. I'm your worst nightmare. An educated debtor. Hey man, it's guys like you that make me love what I do. I just love making collectors say "uncle".

[ICANHASMUNY?]

Hey guys,

 

I just threw this letter together on an old mortgage that was settled out of court as a wrongful foreclosure but they refuse to let go of off our reports. Let me know if you have any suggestions. Thanks in advance...

 

 

 

To Whom It May Concern:

 

I have disputed the above referenced account, which was involved in a wrongful foreclosure settlement, on multiple occasions. This account which was settled in full, with the terms of the settlement that there be a nondisclosure agreement to 3rd parties. Credit Bureaus constitute as a 3rd party, and your continued verification and reporting of said account is in direct violation of the contractual agreement entered into by both parties.

 

Since I have disputed this account multiple times and your company has insisted on continued collection activity by verfication, Please know that you have 10 days from the tracked and confirmed delivery of this lawful notice to answer this demand and remove the associated negative tradeline notations from the any credit reporting agency reports. Any other action may void any previous contractual agreement, constitute grounds for new litigation for damages incurred, and 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,

 

Tco

 

 

 

Hey guys,

 

I just threw this letter together on an old mortgage that was settled out of court as a wrongful foreclosure but they refuse to let go of off our reports. Let me know if you have any suggestions. Thanks in advance...

 

 

 

To Whom It May Concern:

 

I have disputed the above referenced account, which was involved in a wrongful foreclosure settlement, on multiple occasions. This account which was settled in full, with the terms of the settlement that there be a nondisclosure agreement to 3rd parties. Credit Bureaus constitute as a 3rd party, and your continued verification and reporting of said account is in direct violation of the contractual agreement entered into by both parties.

 

Since I have disputed this account multiple times and your company has insisted on continued collection activity by verfication, Please know that you have 10 days from the tracked and confirmed delivery of this lawful notice to answer this demand and remove the associated negative tradeline notations from the any credit reporting agency reports. Any other action may void any previous contractual agreement, constitute grounds for new litigation for damages incurred, and 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,

 

Tco

 

 

 

Hey guys,

 

I just threw this letter together on an old mortgage that was settled out of court as a wrongful foreclosure but they refuse to let go of off our reports. Let me know if you have any suggestions. Thanks in advance...

 

 

 

To Whom It May Concern:

 

I have disputed the above referenced account, which was involved in a wrongful foreclosure settlement, on multiple occasions. This account which was settled in full, with the terms of the settlement that there be a nondisclosure agreement to 3rd parties. Credit Bureaus constitute as a 3rd party, and your continued verification and reporting of said account is in direct violation of the contractual agreement entered into by both parties.

 

Since I have disputed this account multiple times and your company has insisted on continued collection activity by verfication, Please know that you have 10 days from the tracked and confirmed delivery of this lawful notice to answer this demand and remove the associated negative tradeline notations from the any credit reporting agency reports. Any other action may void any previous contractual agreement, constitute grounds for new litigation for damages incurred, and 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,

 

Tco

 

 

 

 

Nah, make it short sweet and concise like it was written by a lawyer

 

 

 

RE: _____________________________--

 

 

Dear _________________,

 

The referenced account is subject to a Settlement which contains an Non disclosure agreement

This account continues to be reported to the credit reporting agencies

I have disputed this reporting multiple times, however it continues to appear on my credit reports

Reporting of this account violates the Settlement terms and conditions, and if it is not deleted I will turn this over to an attorney for review and legal action under breach of private contract ie; the Settlement agreement

This is your 10 day good faith notice, I intend to file suit if it is not deleted after 10 days.

With the above information in hand I trust you will govern yourself accordingly,

______________________

[ICANHASMUNY?]

It's not a FCRA violation, it's a breach of contract and you can file suit in state court pro se.

[TheChosenOne]

 

Hey guys,

 

I just threw this letter together on an old mortgage that was settled out of court as a wrongful foreclosure but they refuse to let go of off our reports. Let me know if you have any suggestions. Thanks in advance...

 

 

 

To Whom It May Concern:

 

I have disputed the above referenced account, which was involved in a wrongful foreclosure settlement, on multiple occasions. This account which was settled in full, with the terms of the settlement that there be a nondisclosure agreement to 3rd parties. Credit Bureaus constitute as a 3rd party, and your continued verification and reporting of said account is in direct violation of the contractual agreement entered into by both parties.

 

Since I have disputed this account multiple times and your company has insisted on continued collection activity by verfication, Please know that you have 10 days from the tracked and confirmed delivery of this lawful notice to answer this demand and remove the associated negative tradeline notations from the any credit reporting agency reports. Any other action may void any previous contractual agreement, constitute grounds for new litigation for damages incurred, and 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,

 

Tco

 

 

 

Hey guys,

 

I just threw this letter together on an old mortgage that was settled out of court as a wrongful foreclosure but they refuse to let go of off our reports. Let me know if you have any suggestions. Thanks in advance...

 

 

 

To Whom It May Concern:

 

I have disputed the above referenced account, which was involved in a wrongful foreclosure settlement, on multiple occasions. This account which was settled in full, with the terms of the settlement that there be a nondisclosure agreement to 3rd parties. Credit Bureaus constitute as a 3rd party, and your continued verification and reporting of said account is in direct violation of the contractual agreement entered into by both parties.

 

Since I have disputed this account multiple times and your company has insisted on continued collection activity by verfication, Please know that you have 10 days from the tracked and confirmed delivery of this lawful notice to answer this demand and remove the associated negative tradeline notations from the any credit reporting agency reports. Any other action may void any previous contractual agreement, constitute grounds for new litigation for damages incurred, and 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,

 

Tco

 

 

 

Hey guys,

 

I just threw this letter together on an old mortgage that was settled out of court as a wrongful foreclosure but they refuse to let go of off our reports. Let me know if you have any suggestions. Thanks in advance...

 

 

 

To Whom It May Concern:

 

I have disputed the above referenced account, which was involved in a wrongful foreclosure settlement, on multiple occasions. This account which was settled in full, with the terms of the settlement that there be a nondisclosure agreement to 3rd parties. Credit Bureaus constitute as a 3rd party, and your continued verification and reporting of said account is in direct violation of the contractual agreement entered into by both parties.

 

Since I have disputed this account multiple times and your company has insisted on continued collection activity by verfication, Please know that you have 10 days from the tracked and confirmed delivery of this lawful notice to answer this demand and remove the associated negative tradeline notations from the any credit reporting agency reports. Any other action may void any previous contractual agreement, constitute grounds for new litigation for damages incurred, and 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,

 

Tco

 

 

 

 

Nah, make it short sweet and concise like it was written by a lawyer

 

 

 

RE: _____________________________--

 

 

Dear _________________,

 

The referenced account is subject to a Settlement which contains an Non disclosure agreement

This account continues to be reported to the credit reporting agencies

I have disputed this reporting multiple times, however it continues to appear on my credit reports

Reporting of this account violates the Settlement terms and conditions, and if it is not deleted I will turn this over to an attorney for review and legal action under breach of private contract ie; the Settlement agreement

This is your 10 day good faith notice, I intend to file suit if it is not deleted after 10 days.

With the above information in hand I trust you will govern yourself accordingly,

______________________

 

 

Awesome. Thank you so much buddy

[ICANHASMUNY?]

sorry my track ball is acting up...

[PotO]

 

 

 

Well...there are a lot of big juicy words in there. Did your settlement agreement mention anything specific about credit reporting? All of mine do. Your gonna spend thousands to argue on the definition of "3rd party" and then thousands more on the timing of reporting. Did they report after the settlement or before and during?

 

If you have the thousands, I say go for it as written! If you are just throwing the letter out there with no intent to actually retain counsel and sue? Well, still, go for it. Can't hurt right?

 

I'd be sure that your definition of 3rd party matches the definition in the settlement agreement and I'd be really sure there is a definition in the settlement agreement. I'd be really sure you are talking about the same timeline they think you are talking about. (Again...reporting pre settlement versus post settlement).

 

You said "Old"? How old? meaning, are you gonna file suit when the tradeline might fall off your credit completely soon?

 

Well the idea is that they won't spend thousand to defend the ability to try to keep a tradeline on our reports another year or so. That tactic is pretty successful in my experience, albeit usually with collections than with OCs. I'm wagering on the fact they're not going to put all that much time into the matter, since it is written off and theres no more money to be made on the account anyway.

 

How old? I think we settled sometime in 2012. That could leave another couple years for it to report.

 

As far as the pre settlement vs. post settlement, they are verifying with the CRAs so they are actively communicating with the 3rd party post agreement.

timeline starts with the dofd, not the dold. I think it's a waste of your time and money but again, won't hurt to throw the letter in the mail. There is no incentive for them to change anything until or unless you sue. We get "Here ye, here ye, common law, and a whole bunch of other Latin words" in letters daily threatening us if we don't remove a tradeline because...and we don't do anything unless our reporting is incorrect... until it comes from an attorney. THEN we just send the letter to OUR attorney and let them respond to their attorney.

 

I'd be curious what your settlement agreement defines as a 3rd party.

Yea I know when the timeline starts. Actually I've had a ridiculous amount of success with tradelines being removed with just a threat of litigation and never any papers from a lawyer. Are you a collector? I mean you're spreading info that I can personally verify as very false so... I just cleaned somebody's credit with zero letters from lawyers. I've been doing this for awhile...

 

As far as bothering your company's attorney with every paper that comes through threatening litigation on an account that has no balance or reason to be verified, I'm going to call BS. The billable hours would rack up at exponential rate. I know if the CRAs flinch at the word litigation, and I'm betting you guys do too. I'm willing to bet you don't verify with the CRAs after you get a letter like that. Trust me, this is a rétard talking.

FTFY

 

Kunner, you know the drill. The letter he posted has every characteristic of being written by an illiterate, dyslexic chimp. He can't spell "judgment" and laughingly threatens criminal complaints over pretended FDCPA and FCRA violations. Trying to educate him is akin to giving a pig a watch. He feels proud of himself because one day out of the year he was able to walk and chew gum at the same time. But you know that. We all know that.

Edited January 21, 2018 by PotO

[Kat58]

In before the lock.

[ICANHASMUNY?]

 

FTFY

 

Kunner, you know the drill. The letter he posted has every characteristic of being written by an illiterate, dyslexic chimp. He can't spell "judgment" and laughingly threatens criminal complaints over pretended FDCPA and FCRA violations. Trying to educate him is akin to giving a pig a watch. He feels proud of himself because one day out of the year he was able to walk and chew gum at the same time. But you know that. We all know that.

 

 

Dude, There's no reason for this level of insult, you need to tone down and back off = this isn't what CB is about,

 

You've been warned before , you're being warned again, to stop escalating rhetorical arguments into very personal insults because you disapprove or disagree.

 

I"m really tempted just to ban you from each and every thread where you start leveling personal insults.

 

& That's what you do - when you can't find anything else to back up an argument, you start insulting and denigrating,

 

if you don't like the kids at the playground you can always leave.

 

You want to sound off on someone, do it via PM, not the public board.

 

& YOU WERE NOT EVEN INVOLVED ON THIS THREAD, YOU'RE JUST BUTTING IN BECAUSE OF ANOTHER ( LOCKED ) THREAD.

[TheChosenOne]

 

 

FTFY

 

Kunner, you know the drill. The letter he posted has every characteristic of being written by an illiterate, dyslexic chimp. He can't spell "judgment" and laughingly threatens criminal complaints over pretended FDCPA and FCRA violations. Trying to educate him is akin to giving a pig a watch. He feels proud of himself because one day out of the year he was able to walk and chew gum at the same time. But you know that. We all know that.

 

 

Dude, There's no reason for this level of insult, you need to tone down and back off = this isn't what CB is about,

 

You've been warned before , you're being warned again, to stop escalating rhetorical arguments into very personal insults because you disapprove or disagree.

 

I"m really tempted just to ban you from each and every thread where you start leveling personal insults.

 

& That's what you do - when you can't find anything else to back up an argument, you start insulting and denigrating,

 

if you don't like the kids at the playground you can always leave.

 

You want to sound off on someone, do it via PM, not the public board.

 

& YOU WERE NOT EVEN INVOLVED ON THIS THREAD, YOU'RE JUST BUTTING IN BECAUSE OF ANOTHER ( LOCKED ) THREAD.

 

 

+1000

 

He is now going into every thread I post trying to pick up the pieces of his fragile ego that have so obviously been shattered

[ICANHASMUNY?]

 

 

 

 

 

 

 

 

 

FTFY

 

Kunner, you know the drill. The letter he posted has every characteristic of being written by an illiterate, dyslexic chimp. He can't spell "judgment" and laughingly threatens criminal complaints over pretended FDCPA and FCRA violations. Trying to educate him is akin to giving a pig a watch. He feels proud of himself because one day out of the year he was able to walk and chew gum at the same time. But you know that. We all know that.

 

 

Dude, There's no reason for this level of insult, you need to tone down and back off = this isn't what CB is about,

 

You've been warned before , you're being warned again, to stop escalating rhetorical arguments into very personal insults because you disapprove or disagree.

 

I"m really tempted just to ban you from each and every thread where you start leveling personal insults.

 

& That's what you do - when you can't find anything else to back up an argument, you start insulting and denigrating,

 

if you don't like the kids at the playground you can always leave.

 

You want to sound off on someone, do it via PM, not the public board.

 

& YOU WERE NOT EVEN INVOLVED ON THIS THREAD, YOU'RE JUST BUTTING IN BECAUSE OF ANOTHER ( LOCKED ) THREAD.

 

 

+1000

 

He is now going into every thread I post trying to pick up the pieces of his fragile ego that have so obviously been shattered

 

 

just REPORT him, don't respond, and put him on Ignore. It's what I did.

[TheChosenOne]

Thanks to this letter it has been deleted on TransUnion. Never reported to Experian.

 

 

We're waiting for Equifax who seems to run behind everybody else these days. Very last late on any credit report. EQ just taking its time.

[ICANHASMUNY?]

Thanks to this letter it has been deleted on TransUnion. Never reported to Experian.

 

 

We're waiting for Equifax who seems to run behind everybody else these days. Very last late on any credit report. EQ just taking its time.

 

[TheChosenOne]

 

Thanks to this letter it has been deleted on TransUnion. Never reported to Experian.

 

 

We're waiting for Equifax who seems to run behind everybody else these days. Very last late on any credit report. EQ just taking its time.

 

 

 

Thanks, Ican. I'm hoping this can help somebody else who had a wrongful foreclosure account still reporting have it removed. I'm trying to help future creditboard members, so hopefully they can skip over the off-topic and unhelpful excrement that Potato interjected into this thread.

[ICANHASMUNY?]

better off just dropping that issue, put it on ignore - they eventually give it up when they don't get a response.