Steve
Bradenton,#2Consumer Comment
Tue, September 12, 2006
Janet, Rip Off Report is a great tool in exposing fraudulent businesses, however, it only works when reports are properly categorized! You have rights under the FDCPA and the FCRA for violations by collectors and for erroneous entries on your credit report. You can sue for damages. Immediately dispute items on your credit report for reason: "not mine" and demand to see proof of debt and all verification communications they engage in with the collector as per your right under the FCRA. Send this letter by certified mail, return reciept requested. Put the certified# on the letter itself and keep a copy for your records. Under FEDERAL LAW, the credit bureau has 30 days to PROVE, or REMOVE the item. otherwise they are liable to you for damages as well. Go to FTC.gov and file a complaint online for these violations of your rights.