AS THERE MAY BE NO VALID ACCOUNT
[City state ZIP]
[City State ZIP]
[Date] PD MAIL #.: _____________
Re ; inquiry dated ____: your file # _____
Thank you for your recent inquiry.( If no letter or inquiry, but just a verification in response to the dispute letter, then state; This letter responds to your recent verification of an unknown account on my ( name(s) of CRA(s))credit reports)
This is not a refusal to pay, but a notice that your claim is disputed.
The Rules Of Civil Procedure of my State of (State ) provide a Statute Of Limitations limiting the time frame for any legal collection activities.
[Subscriber]print or type name
LETTER TO CRA
«City», «State» «Zip»
«City», «State» «Zip»
This is a request for deletion of a disputed item.
Please be advised that I am exercising my rights under FCRA 611(a)(6)(B(iii) which provides that a consumer may request “a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.”
This item has been reported by :
(Name of Agency, Account #___) to your credit bureau, and is currently entered on my credit report.
I am requesting that the entry be deleted in it's entirety as it is an invalid claim,and any reporting of an invalid claim is prohibited.
(see Sullivan v. Equifax, Inc. et al., 2002 U.S. Dist LEXIS 7884 (E.D. PA. 2002)
(reporting a debt to a credit reporting agency is a communication covered by the FDCPA in §1692e(8))"1692e(8)
Communicating or threatening to communicate to any person information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed."
Enclosed please find a copy of the notice sent to (name of collection agency),together with a copy of the delivery receipt proving delivery, enjoining them from any further collection activity on an account that is beyond the legal limit for collection in my State of ______.
Please consider this as notification to you that the account as reported is invalid, and that the (name of agency) has been properly notified of that fact.
Please notify me, in writing, of any continued collection activity on their part, including any verification, resubmission or reinsertion after your reinvestigation and deletion of this item.