Re: Fraudulent items on credit report - Posted by michaela-ATL
Posted by michaela-ATL on July 05, 2003 at 17:29:35:
Are these items reported by the original creditor or by a collection agency?
If it’s a collection agency, then she can do this:
Send a certified return receipt letter (or express mail for time) to the collection agency asking for debt validation (go to www.creditinfocenter.com and read up on this). Within 5 days of receipt of that letter they will have to put the item in dispute, which means it will not show when the lender pulls a new credit report. They have a total of 30 days to provide the debt validation, which they can’t do, because they’re not the original debtor (catch 22 ). After that they will have to delete the item off the report. If they don’t report the item n dipute within 5 days they’re in violation of the ‘fair credit reporting act’, if they don’t provide proof within 30 days they’re in violation. If they don’t delete, if no proof within 30 days they’re in violation. She can then sue in small claims court.
She can also write a nutcase letter (check archives in www.creditnet.com discussion group. ) to the collection agency, which might serve the purpose here.