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NOT MINE LETTERS

NOT MINE LETTERS

Unlike the Litigious Loon Letters, the Not Mine Letters DO make a claim. The Not Mine Letter series disputes certain aspects of the underlying debt, so this should be used carefully. It employs a “Not Mine” claim, so tell the truth.

1st NOT MINE LETTER

[YOUR NAME]
[YOUR ADDRESS]

Phone: [YOUR PHONE NUMBER]
Fax: [YOUR FAX NUMBER]
Date of Birth: [YOUR DATE OF BIRTH]
Social Security Number: [YOUR SOCIAL SECURITY NUMBER]
Tradeline Account Number: [ACCOUNT NUMBER]

[BILL COLLECTORS NAME]
[COLLECTION AGENCY NAME]
[COLLECTION AGENCY ADDRESS]

Name of OC: [NAME OF ORIGINAL CREDITOR]

[TODAY’S DATE]

RE: XXXX

To Whom It May Concern:

I ordered my credit reports from the three agencies to make sure that my credit record was completely and accurately recorded. The account you are currently reporting for over XXXX was actually for xxx and in addition, was paid in full on XXXX.  

Enclosed a copy of the receipt at the time of payment from the original creditor that shows a beginning balance of xxx and an ending balance of zero after a payment of XXXX.

Incorrect reporting is a direct violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 

Your responsibilities are very clearly outlined. You have had over two years to correct or update this information and have not done so, which shows gross negligence. It is affecting my credit rating adversely. Pursuant to Title 15 Section 1681 of the US Code, I demand that you rectify the situation immediately by having a full deletion of all information regarding this account in question to all three credit bureaus with which you file or report to.

Further correspondence should be sent in writing to the address below.

Sincerely,

[YOUR SIGNATURE]

[YOUR NAME]

cc: BBB 

————–

2nd NOT MINE LETTER

[YOUR NAME]
[YOUR ADDRESS]

Phone: [YOUR PHONE NUMBER]
Fax: [YOUR FAX NUMBER]
Date of Birth: [YOUR DATE OF BIRTH]
Social Security Number: [YOUR SOCIAL SECURITY NUMBER]
Tradeline Account Number: [ACCOUNT NUMBER]

[BILL COLLECTORS NAME]
[COLLECTION AGENCY NAME]
[COLLECTION AGENCY ADDRESS]

Name of OC: [NAME OF ORIGINAL CREDITOR]

[TODAY’S DATE]

RE:XXXX

To Whom It May Concern:

I sent a letter and a copy of my “paid in full” receipt to your agency on [DATE] to request the deletion of an item on my credit report for which you have incorrectly reported on for over xx years.

I have not received anything from your agency saying you will correct or delete the information in the 30 days since you received my original letter.  I also checked the online dispute of this item with a credit reporting agency today, and you re-verified the incorrect amount after receiving proof of the correct information.

I cite 15 U.S.C. § 1681s-2 on your responsibility as a furnisher of information. I have my receipt from the creditor and it in no way reflects the amount you are reporting.

I demand that you notify all three credit bureaus that this account is “disputed” or that you delete this account until this matter is resolved as required by the Fair Credit Reporting Act.

You have 7 days from the receipt of this letter to rectify the matter. If you do not abide by the law, I will forward all evidence of this, including letters and receipt to the Attorney General’s office in both [STATE(s)], the Division of Finance and Corporate Securities in [STATE(s)] as well as the Federal Trade Commission.

Sincerely,

[YOUR SIGNATURE]

[YOUR NAME]

———

3rd NOT MINE LETTER

[YOUR NAME]
[YOUR ADDRESS]

Phone: [YOUR PHONE NUMBER]
Fax: [YOUR FAX NUMBER]
Date of Birth: [YOUR DATE OF BIRTH]
Social Security Number: [YOUR SOCIAL SECURITY NUMBER]
Tradeline Account Number: [ACCOUNT NUMBER]

[BILL COLLECTORS NAME]
[COLLECTION AGENCY NAME]
[COLLECTION AGENCY ADDRESS]

Name of OC: [NAME OF ORIGINAL CREDITOR]

[TODAY’S DATE]

Date

Dear [BILL COLLECTORS NAME],

I have unsuccessfully tried, since the end of [MONTH], to correct an incorrect item that is reported on my credit report with your agency/branch in [STATE].  

Enclosed are copies of my correspondence with your agency and a copy of my credit report showing the incorrect information verified AGAIN after they received a copy of my receipt. 

This adversely affects my credit and I have composed letters to the Attorney Generals in both our states, the Division of Finance and Corporate Securities in my state (which allows you to collect here) and the Better Business Bureau in the state you are licensed in.

According to the BBB, it helps to contact the parent company of the division you are filing a complaint against or are wishing to pursue legal matters with.  I am writing you last resort in hopes that I can resolve this without litigation. This is the letter the BBB recommended and the last letter before litigation. 

I paid the debt and I am asking that because the tradeline has yet to be recorded correctly – even though I have requested this numerous times, that the tradeline be deleted.

Your office has not responded to any of my letters, and has not placed my account in dispute. This is either negligent or willfully ignoring my rights due to me via the FCRA.  I want to clear this item up in a timely manner, and do not wish to go to litigation.

I am asking that you review the attached material, contact the CRAs to whom you report and request deletion of this account due to an error. Then mail and fax proof of this to me in order to have a legal resolution.

Sincerely,

[YOUR SIGNATURE]

[YOUR NAME]

cc:

Office of the Attorney General,

Division of Securities and Finance,

Better Business Bureau

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(919) 627-7748

Raleigh Bankruptcy Attorneys

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(919) 627-7748