Final Demand to Delete & Settle Out Of Court

[Credit Expert]

Free Debt Letter Template: Final Demand to Delete Collection Account After Multiple Requests
This letter is to: Request to delete collection item after several requests to verify and validate. Also offering a chance for the collection agency to pay $1000 in damages and settle out of court





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Dear Collection Agency,


On _____DATE______you received my credit reporting dispute and validation request. You failed to respond with sufficient evidence that this alleged debt is mine. Your office received a second request for validation on ___DATE____ citing various FDCPA & FCRA violations that your company is now responsible for. Please be advised that your failure to respond with proper validation and failure to provide notice of my dispute to the credit bureaus is in violation of the FDCPA:

Excerpt from the Cass (12-23-97) FTC Opinion letter at http://www.ftc.gov/os/statutes/fdcpa/letters/cass.htm

"Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e(8) to inform the consumer reporting agency of the dispute."

You also violated the FCRA § 623. Responsibilities of furnishers of information to consumer reporting agencies [15 U.S.C. § 1681s-2]

"(3) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer."

I am hereby offering to settle your FCRA and FDCPA violations prior to legal action with the following terms:


1) You delete this account from all my credit reports and fax evidence of your bureau notifications

2) You agree to close this account and not to sell it to any other collectors.

3) You arrange for payment of $1000 for my damages.

Please respond within 30 days of receipt of this letter

Sincerely,


Smart Consumer


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