I received a collection letter in the mail today from RJM claiming they are my new creditor stemming from a September 2000 delinquent account with First USA Bank.
I recently obtained all three of my credit bureau reports. As stated by another poster in this forum, a query by RJM only appeared on the Transunion report.
First USA Bank does not appear on any of my credit reports, and so RJM is making a fraudulent claim against me.
I am sending them the following letter gleaned from two sources online that requests they provide verification documentation from my original creditor and cease all future communication with me:
City, State, Zip
(Sent via CERTIFIED RETURN MAIL #123 456 789 with RETURN RECEIPT)
RJM Acquisitions Funding LLC
575 Underhill Blvd. Suite 224
Syosset, NY 11791-3416
Re: File #RJM file Original creditor - #account -For: $$$.$$
Dear Debt Collector/Debt Collector Attorney:
This will serve as your legal notice under provisions of federal law, the Fair Debt Collection Practices Act (FDCPA), to cease all communication with me in regard to the debt referenced above.
I am in receipt of your letter attempting to collect an account/liability that is not only invalid, but is also illegitimate and in legal dispute. Therefore, please consider this response as my formal legal dispute pursuant to Public Law 95-109, 15 USC 1692f 808 and 1692g 809. I furthermore request the name, address, department and phone (including any extensions) of the original creditor who is stating that this alleged liability belongs to me, so that civil action can be implemented, if necessary, to resolve this egregious accusation.
Any further attempt to collect and/or continue to falsely report this disputed information on my personal credit file without complying with the above stated provisions will be deemed as non-compliance and you will be held liable under 15 USC 1692 (k) (civil liability) to one or more of the following:
1) All actual damage sustained by a consumer as a result of such failure;
2) (A) included above, additional damages allowed by the court, not exceeding $1,000; or
3) If a class action is filed, such amount for each named plaintiff, recovered under subparagraph (A) of the stated Title, and an amount not to exceed the lesser of $500,000 or 1 per centum of the net worth of the debt collector; and
4) All cost accrued by the consumers' successful action to enforce the foregoing liability, along with attorney's fee.
It is my intention to resolve your inaccurate claim amicably. However, rest assured I will pursue all legal rights necessary to resolve this matter.
If and when the accuracy of this liability is legally proven to be valid, it will be my intention to rectify it post haste. Thank you for your cooperation.
If you fail to heed this notice, I will file a formal complaint against you with the Federal Trade Commission who is responsible for enforcement, the States Attorney General office and/or the American Collectors Association or local State Bar Association.
I have decided that I do not desire to work with a collection agency under any circumstances. I will contact the original creditor to resolve this matter directly, as circumstances warrant.
You are also notified that should any adverse information be placed against my credit reports as a result of this notice that appropriate actions will be taken. Give this very important matter the attention it deserves.
My Name, not a signature!
santa clara, California