Copy of letter I sent to them most recently about this: PLEASE READ THE FOLLOWING CAREFULLY AS YOUR
OFFICE HAS SHOWN NOTHING BUT INCOMPETENCY REGARDING THIS MESSAGE. PLEASE ALSO NOTE
THAT ANY INFORMATION CONTAINED HEREIN, OR PROVIDED BY YOU WILL BE PROVIDED TO
LOCAL AND/OR FEDERAL AGENCIES FOR FURTHER INVESTIGATION INCLUDING YOUR
RESPONSE, IF NECESSARY.
YOU MAY CONTACT ME WITHIN THIRTY (30) DAYS
OF YOUR RECEIPT OF THIS LETTER USING ANY OF THE CONTACT INFORMATION BELOW.
I found your response to my written and
telephone communication to be most inadequate. As I am sure you are aware, as a
furnisher of credit information, Ford Motor Credit Company is obliged under
federal law [FCRA 2004 Section 623.1] to provide accurate consumer credit information
to credit bureaus. As your office has confirmed in writing, it has been aware
of inaccuracies caused to my account since September 19, 2006 .
I feel that I have been more than generous
with my patience in allowing sufficient time for your office to correct these
errors with the below mentioned credit bureaus.
AS
DISCUSSED on May 14, 2010 with “Ruben” with employee ID #FCRXL51 of Ford Motor
Credit Company by telephone, I have asked again that this account be corrected.
Ruben mentioned to me in a very factual basis “no one has ever shown on your credit report other than you, the sole
borrower”.
I DO NOT APPRECIATE
the rude character, attitude and lack of competency by Mr. Ruben as referenced
above, or your office. The following reports are attached again herein,
confirming the error. Similar reports were prepared and sent to your office in
2006, 2007 and 2008.
TransUnion
LLC
Experian
Information Solutions, Inc.
Equifax,
Inc.
Each of these three bureaus has provided
written information that no effort by Ford Motor Credit has been made to
correct these errors.
During my initial pursue to have these
errors corrected in October of 2006, I was instructed by a Ford Motor Credit
Company representative to withhold my payment until this error was corrected. I
then subsequently received a 30-day late reporting to my credit report.
I HAVE NO OTHER LATE PAYMENTS ON THIS OR
ANY OTHER CREDIT/ MORTGAGE ACCOUNT. FURTHERMORE, I AM THE SOLE BORROWER ON ALL
MY CREDIT/ MORTGAGE ACCOUNTS; AS I HAVE ATTESTED NUMEROUS TIMES, THIS REPORTING
MAKES NO SENSE.
Therefore, on this day: May 19, 2010, I
hereby demand that the following changes be made:
1) MY ACCOUNT, AS DESCRIBED #038932858 TO
BE LISTED BY FMC AS INDIVIDUAL.
2) 30-DAY LATE REPORTING ON THE ABOVE
REFERENCED ACCOUNT BE WITHDRAWN WITHIN THIRTY DAYS (30) OF YOUR RECEIPT OF THIS
LETTER.
3) REIMBURSEMENT FOR COSTS ASSOCIATED WITH
THIS CLAIM AND FINANCIAL INJURY INCURRED AS PROVIDED BY THE FAIR DEBT
COLLECTION PRACTICES ACT (FDCPA) IF APPLICABLE.
I am sending this letter as a request that
you prepare my file for state review so that the applicable state and/or
federal offices may review my information in a timely manner. Please again note
that any information sent from your office may be used in such investigation.
Thank you,
william hamilton arthur iv
