Excel Acquisitions LLC Is charging me for a 10 year old debt North Falmouth, Massachusetts
This Account through Providian Bank was closed in the year 2000 in the spring according to Equifax. Excel changed the debt to 2005, this blatant lie is preventing me from opening a checking account. I have contacted them and all I get is an answering machine and no one calls me back. Changing the date is illegal, I want to take legal action against them. How do I go about doing this?
1 Updates & Rebuttals
John
Louisville,Kentucky,
U.S.A.
advise
#2Consumer Comment
Wed, June 09, 2010
Dispute directly with the credit bureaus:
Per the Fair Credit Reporting Act you have the right to request written validation of negative entries on your credit files. Per this law they must validate the item(s) or remove them from your credit file.
Mail a letter via certified mail with return receipt to all three credit bureaus (Equifax, TransUnion & Experian). Include a photocopy of your driver's license and social security card...If you don't include these, they may write back requesting them, which would slow the process down by several weeks. In your letter, simply state:
Per the Fair Credit Reporting Act, I am requesting written validation of this item. This debt defaulted 10 years ago and it cannot be re-aged to restart a new 7 year cycle of bad credit. Per the Fair Credit Reporting Act, I am requesting validation of the original date of the first delinquency.
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