Excel Acquisitions LLC
P o Box 1965
North Falmouth Massachusetts 25561
United States of America
|
|
Excel Acquisitions LLC Is charging me for a 10 year old debt North Falmouth, Massachusetts
*Consumer Comment: advise
1Author
1Consumer
0Employee/Owner
This Account through Providian Bank was closed in the year 2000 in the spring according to Equifax. Excel changed the debt to 2005, this blatant lie is preventing me from opening a checking account. I have contacted them and all I get is an answering machine and no one calls me back. Changing the date is illegal, I want to take legal action against them. How do I go about doing this?
Click Here to read other Ripoff Reports on Excel Acquisitions
REBUTTALS & REPLIES:
1Author
1Consumer
0Employee/Owner
Updates & Rebuttals
#1 Consumer Comment
AUTHOR: John - Louisville (U.S.A.)
SUBMITTED: Wednesday, June 09, 2010
POSTED: Wednesday, June 09, 2010
Dispute directly with the credit bureaus:
Per the Fair Credit Reporting Act you have the right to request written validation of negative entries on your credit files. Per this law they must validate the item(s) or remove them from your credit file.
Mail a letter via certified mail with return receipt to all three credit bureaus (Equifax, TransUnion & Experian). Include a photocopy of your driver's license and social security card...If you don't include these, they may write back requesting them, which would slow the process down by several weeks. In your letter, simply state:
Per the Fair Credit Reporting Act, I am requesting written validation of this item. This debt defaulted 10 years ago and it cannot be “re-aged” to restart a new 7 year cycle of bad credit. Per the Fair Credit Reporting Act, I am requesting validation of the original date of the first delinquency.
---------------------------------------
