• Report: #611909

Complaint Review: Excel Acquisitions LLC

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  • Submitted: Tue, June 08, 2010
  • Updated: Wed, June 09, 2010

  • Reported By: Lynnerenee81 — Gainesville Georgia United States of America
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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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?

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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#1 Consumer Comment

advise

AUTHOR: John - (U.S.A.)

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.
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