Jude
Las Vegas,#2Consumer Suggestion
Sun, November 14, 2004
I AM ALSO HAVING A PROBLEM WITH THIS COMPANY. THIS IS A COLLECTION AGENCY. WHAT THAT MEANS IS THEY ARE PROBABLY REQUIRED TO BE LICENSED BY THE STATE OF IL. HERE ARE SEVERAL OPTIONS TO HANDLE THIS SITUATION. I AM GOING TO ASSUME THAT THEY HAVE REPORTED THIS ACCOUNT TO ONE OR MORE OF THE MAJOR CREDIT BUREAUS. (EQUIFAX/EXPERIAN OR TRANSUNION) FIRST YOU NEED TO WRITE THEM A LETTER AND SEND IT CERTIFIED RETURN RCT STATING YOU WANT VALIDATIONA ND VERIFICATION OF THE DEBT UNDER THE FDCPA. SECONDLY ADVISE THEM TO CEASE AND DESIST ALL FURTHER COMMUNICATIONS. INCLUDE IN YOUR LETTER THAT IF THEY FAIL TO RETURN THE ACCOUNT BACK TO THE ORIGINAL CREDITOR, NOTIFY THE CREDIT BUREAUS TO DELETE THIS ACCOUNT FROM YOUR CREDIT FILE THEN YOU WILL FILE FORMAL COMPLAINTS WITH THE BETTER BUSINESS BUREAU @ BBB.ORG. THE FEDERAL TRADE COMMISSION AT FTC.GOV. THE IL STATE ATTORNEY GENERALS OFFICE, THE AMERICA COLLECTORS ASSOC. AND THAT YOU HAVE RETAINED AN ATTORNEY TO FILE A FEDERAL LAWSUIT AGAINST THEM.