Complaint Review: RJM ACQ - SYOSSET New York

Some of these bottomfeeders buy information on people who have pre-qualified for a mortgage, and then all sorts of phantom debts will be placed on their credit reports. Why? The bottomfeeders know that someone trying to buy a home will be more likely to pay these "debts", legitimate or not, just to clear their credit. I'm sure Steve will be along to give you details, but please don't pay these scumbags a dime. If you do, it will make your credit worse, as you will "reaffirm" a debt that isn't yours, and this will start the credit reporting clock all over again, as well as the Statute of Limitations. You need to make these people validate, or prove that the "debt" belongs to you. If they can't, they must remove it from your credit report and you can sue THEM for damages. Here is a good sample letter: XYZ Junk Debt Buyers (Per USPS tracking #) Re: Acct #0000000 This letter is being sent to you in response to seeing your company on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is demanded. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. I have also never received proof of debt from your offices to pay anything and you have illegally placed this on my credit report before sending proof of debt. Please provide me with the following: What the money you say I owe is for; Explain and show me how you calculated what you say I owe; Provide me with copies of any papers that show I agreed to pay what you say I owe; Identify the original creditor; Prove the Statute of Limitations has not expired on this account; Show me that you are licensed to collect in my state; Provide me with your license numbers and Agent for Service of Process; At this time I will also inform you that since your offices have reported invalidated information to 1 of the 3 major Credit Bureaus, this action might constitute fraud under both Federal and State Laws. Due to this fact, if the negative mark that is found on my credit report by your company is not removed immediately; I will not hesitate in bringing legal action against you for the following: Violation of the Fair Credit Reporting Act =Violation of the Fair Debt Collection Practices Act ($1000 per violation) Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. Additionally, any attempt to falsely re-age Date of Last Activity will be met with every legal option available to us. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records; any information obtained shall be used for that purpose. Your cooperation expected and appreciated. TYPE YOUR NAME (NEVER SIGN!!!) And attach this below: DEBT VALIDATION FORM (To be completed and returned) Account # _________________________________________________ Original Creditor's Name:______________________________________ Name of Debtor(s): ____________________________________________ Date of Last Activity: __________________________________________ Balance of Account: __________________________________________ Date you Acquired Said Debt: ___________________________________ This Debt was Assigned:__________Purchased_________ If assigned, please attach contact information of assignor, including Agent for Service of Process. If purchased, attach documentation of purchase amount: _____________ Year of Tax Write Off of Bad Debt/Business Loss to IRS: _____________ Under penalty of perjury, I certify that the above information provided is true and correct and that all documentation provided is accurate. ____________________________ Date: Name & Title I went through the same thing a few years ago when we were buying our house. They saw that we not not easy marks, and the two items were removed from our credit report..and we got $2000 for our trouble.

Hi I just thought you might want to look up Mitchel N Kay as I found out about him threw here rip off report and well he is heading to federal court as I am suing him and Plaza Associates and Genesis Financial and Discover This type of thing needs to be mentioned to FTC and anyone else who can stop the corrupt activity against people who are just trying to make it...

Island -fingerhut- tel number: 800-871-4135 acct #: 80510101933838383 Fingerhut- tel number: 800-900-4111 acct #: 80501019338383832(looks like same as above) RJM ACQ LLC- collection for The Good Book Club; tel number: 800-541-0824 acct #: 628R813361 jeffersoncp= Fingerut, tel number: 800-281-2793 acct #: 0150408589

Michelle, All you have to do is dispute the entries in writing and demand copies of any communications used in the verification process as per your rights under the FCRA. Send these letters by certified mail, return reciept requested. Be sure to put the certified# on the letter itself, and keep a copy for your records. If the inaccurate reporting caused you losses, you are entitled to sue for recovery of damages. Do it!