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[pony_trekker]

Originally posted by notcasesensitive
I hear what you are saying, and it is probably a good idea to send them a letter, but I was basically advised by my workout person here not to threaten any sort of litigation with them. I have mentioned FCRA generally on the phone, which led to the collection person saying something akin to "don't threaten me" and me saying that I was not threatening anything (I'm no longer dealing with her anyway, I've moved on to her superior). I've been biding my time a bit on the notice thing under state law because all I know is that it was reported to the credit agencies in July and they had 30 days from the date of reporting to comply. I don't want to tip them off before the period has run. Also I now need to see this purported July letter to see if they covered that requirement.

What would I do with the credit agencies? Dispute the report? I've never had to deal with this, so I'm not sure how that works.



ETA: It helps me not at all that Bank (and its affiliates) is a client of mine. So taking a tough stance with them may very well be frowned upon here.

First rule of litigation:

Don't threaten. Just do.