#2142149 - 08/15/17 07:51 PM
Re: Form Letter to Dispute All Credit Report Info
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Anonymous
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OP here: Currently getting several of these per month.
Update to the 8/8/14 question I posted: Since that time, I have received a dozen or more examples, from different customers, all displaying the same exact characteristics (typed envelope, mailed from customer's ZIP, weird dates, date lag between letter and postmark, no wet signature (it's a font), and sometimes it reads like scam letter legalese while other times it almost, but not quite, reads as normal-sounding. The key is that no documentation is ever provided (no credit report, no proof of timely payment), and the letters fail to provide any valid basis for asserting a dispute. They don't say they didn't pay late; they just say they want us to review the information and change it, regardless of its accuracy.
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#2142155 - 08/15/17 07:57 PM
Re: Form Letter to Dispute All Credit Report Info
Anonymous
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OP here: sorry, one more thing - the only nagging doubt I have is that so many of the letters we receive seem to share an author. "Deleterious information" may appear in a letter from customers A, B, and C, received in January, April, and August, respectively. No seeming relationship between the charged-off customers. But out of 390,000 sources for bad advice for people with bad credit, they all ended up with the same exact letter writer? Seems improbable.
So is this someone trying to build a lawsuit, or class action lawsuit? Catch this bank (or any bank) failing to respond to the letters, or failing to do so timely?
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#2144866 - 09/05/17 07:43 PM
Re: Form Letter to Dispute All Credit Report Info
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OP here: Regarding... He said the agency had given him a stack of sealed envelopes with postage affixed. To drop them in the mail, one every month, and no matter what, don't open any mail from the creditor within 7 days time after dropping the letter in the mail. He was going to talk to his attorney about getting his money back. Oh, that definitely sounds like the case here. I'm getting some every 30 days, now have one that is weekly. One of the obvious signs of third party preparation used to be that it would be mailed from a faraway ZIP, often a different state, than the envelope's return address. But lately (at least past 12 months) they all tend to be mailed from the ex-customer's ZIP code. Totally makes sense that this is just a stack of letters all written in advance, and it would even explain the discrepancy between the date on the letter (the date it was purportedly written) and the postmark date, which always has a variance of 10 to 30 days. I don't know what letter the other anon is requesting. The links in this thread go to regulatory citations, not copies of letters. If you're a consumer seeking to fix your credit, anon, don't waste your time with worthless letters written by somebody else.
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