[Jerseee]

All,


It has been a long road (12 months) but, I finally have a success story worth sharing.& In the past, I have had small successes on a day to day basis using honor/dishonor techniques but, this is a CTC3 based success!


A third party debt collector was ruining my credit report with an unverifiable debt (like all of them).& First I notified the credit card companies of this debt collector.& I was getting phone calls at night and everything.& I wrote a letter to Trans union on Aug 26 demanding they verfiy this debt collector.& they wrote back asking me to dispute the entry on my credit report or my demand would be considered frivilous.
I wrote back citing USC Title 15, chapter 41, subchapter III and I basically wrote them stating that I cannot dispute an alleged debt that is not a verified debt.& By disputing the debt, I agree that there was a debt by default (negative averment on their part).


To make a long story short, I wrote that letter and tendered a VOD to the alleged debt collector on the same day (Sep 29, 2003).& Needless to say, the phone calls stopped, a certificate of non-response is being prepared (as I type this) and I just received notification from Trans Union that---that particular account has been deleted from my file.


My documents were made according to their response.& there is no boilerplate template that I used and I re-wrote the VOD to fit my situation!& Folks, this stuff works!!& Thanks Ice, JHD, OT, rocket, and Jason for your posts on this issue prior to me taking action.


Furthermore, I did the same procedure for a few other items on my credit report and they were all deleted as well.& I know some members will want to see some documented proof so,&Sui Juris&PM me and give me a fax number and you may use the docs I used to accomplish this for the members!&