- Report: #611909
Complaint Review: Excel Acquisitions LLC
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| Excel Acquisitions LLC P o Box 1965
North Falmouth, Massachusetts United States of America |
|
Excel Acquisitions LLC Is charging me for a 10 year old debt North Falmouth, Massachusetts
*Consumer Comment: advise
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Fix it the right way.
Corporate Advocacy Program™
This report was posted on Ripoff Report on 06/08/2010 10:03 PM and is a permanent record located here: http://www.ripoffreport.com/r/Excel-Acquisitions-LLC/North-Falmouth-Massachusetts-25561/Excel-Acquisitions-LLC-Is-charging-me-for-a-10-year-old-debt-North-Falmouth-Massachusett-611909. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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Search TipsPer 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.
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