I'm stumped. I'm not so sure what is the answer to your question. I'll do some poking around and get back to you if I got an anything. You should email the people at Lending Tree as they probably could help you..

:) Cool!.

Now I'm at the final stage. The shipping. Could I send it by Priority Mail - Certified, Return Receipt Requested? Will the big envelope create some more attention?.

Or should I just fire up regular envelope by First Class?.

I know what you might be thinking - this guy never stops! ;).

I just want to do once and do it RIGHT! so I can stop bothering the board about this d*** account. ;)..

LOL, I think a regular business envelope with that nasty CRRR sticker commands more attention. Everything gets lost on a big Priority Mail envelope..

You're turning me into my mother: The instructions say to mail it by regular certified mail with return-receipt requested. :).

Doc.

P.S. Don't use a nasty green envelope because green is the color of envy and you want them to be envious of your bravery. Don't have a Nepali sherpa deliver the letter because that way you'll be sure that it gets delivered. Don't stir your spaghetti with the envelope for that casual look. (I'm just answering a few questions in advance.).

P.P.S. Sorry, lol, sue me. :)..

Finally, I just sent it out! The clock is running..

A******, here I come ;)..

I got the green card back which was signed on Nov 25th. I have yet received any form of reply. I know, I know that I should wait another 3 weeks but hey, shouldn't they be scared alread? LOL..

Well, something starts to be happening..

This morning I went to Equifax Credit Watch and noticed a tradeline notification. Yes, you guessed it - Associates/Citi. There is no inq but they changed my status from "N/A" to "Closed by credit grantor request", leaving the late payment as it is - "some unknown dates".

I spoke to Equifax and was told that by doing that they did not obtain any form of my file and nothing else had been changed..

I checked TU and nothing there either..

It has been almost 3 week since they signed the green card for the nutcase letter and except that, no reply whatsoever..

Do you think they are f***** with me? PsychDoc?.

Thanks..

Well, if they're watching the board and put 2 + 2 together then they know your freakin' around now. Just play it cool. I'm stewing about a couple things myself but the time will come when I can post about 'em..

My 0 cents worth..

Well, it is too late now :(.

So, does anybody know if they can "update" my file after the account had been closed and paid for over a year? Seems like they want to touch it and see what's in there but we know they can not..

So, is it all right for them to do that?..

Actually I just checked and even though the EQ rep told me the credit grantor did it, seems like they were the ones who actually did that. See the mark for the day the change was made:.

XX/XX/2002 CD-Equifax Consumer Services Incq.

So, EQ did that right? Why?..

I believe when the send an email alert it generates this type of soft inquiry...

Ok, so the question still remains:.

Can the creditor make "changes" to my account over a year after the account is closed and paid in full?..

As long as they are reporting, they are responsible for the information being reported..

Did the changes make it accurate?.

Sassy..

They stopped reporting long time ago as I said the account was closed in 12-1999 and then paid off in 11-2000. Now, probably after receiving the letter they changed the comment field from: N/A to Closed at credit grantor request, but they did that after a year since they last reported..

OF COURSE is NOT ACCURATE. Isn't that's why I sent them the "nutcase" letter?..

Eaaassyyyy tiger,.

Pissing off, always-helpful, Sassy, IS NOT a good idea...

Well no, they didn't stop reporting long ago if it is still on your credit reports..

Tradeline on credit report(s} = reporting..

OF COURSE is NOT ACCURATE. Isn't that's why I sent them the "nutcase" letter?.

OF COURSE, silly me, is that WHY you sent the nutcase letter?.

If you do some research, you'll find that inaccurate reporting is NOT the intended use of Doc's nutcase letter..

Sassy..

Thanks Marc!!!!!!!!!.

You transformed me in one click ;-).

Sassy..

Well Damian,.

I think you have about all the "opinion" there is on this topic. I'm not sure what else you could possibly be looking for..

I guess it's time for you to make a decision..

Remember what Sun Tsu said in "The Art Of War"..

The best way to avoid war is to NOT fear it..

Good luck..

:)..

Damian,.

I concur..

Butch,.

I love it when you quote Sun Zi (tzu)..

I wrote my college entrance essay on his techniques and their applications to games of chance i.e. poker, roulette, etc..

After reading the original chinese in college, I can see why there are 50 interpretations of his and other ancient chinese text. Ancient chinese is very vague ie (to your quote) " war, not fear. fear bad"..

Or does english try to be too specific??.

Most thinkers slant is /was to get others to think..

Use your ego as a tool.

Not a weapon..

Thank you all for all the replies and advice. You are all right. I have got all the advice and opinion I could ever need and want. I just decided on who to go after. I would just like you to take a look at the letter I put together (it is a Sassy's sample along with some minor additions from other letters found on this board). Please forgive me for doing that, but I'm not so good in writing such letters (english is my second language), so it may still need some revisions..

Here it goes (goes to the OC):.

To Whom It May Concern:.

This letter shall serve as formal notice of my intent to file a lawsuit against.

Your company, due to your blatant and objectionable disregard of the law..

Over the course of the past year, I have been unsuccessful in my attempts to.

Have you resolve the inaccurate information you are reporting against me to each.

Of the CRA's. I have disputed this information with the CRA's on numerous.

Occasions and have directly communicated with you (list summary and attach copies)..

I’m sure you are aware of the consequences in violating the Fair Credit Reporting Act.

As well as the multiple violations your company is now responsible for. If.

Not, let me point them out for you:.

The FCRA requires you, as a furnisher of information, to provide accurate,.

Updated and verifiable information only. I have requested verification of the.

Information you are providing and you have not responded to my request..

The FCRA requires you, as a furnisher of information, upon notice of dispute, to.

Update those tradelines to reflect that the information is disputed, you have.

Failed to do so..

The FCRA requires you, as a furnisher of information, upon notification of a.

Dispute, to investigate and update, correct or delete the information; you have.

Failed to do so..

The FCRA further requires you, as a furnisher of information, at the conclusion.

Of that investigation to supply the updated, corrected or deleted information to.

All CRA's that you have originally reported to; you have failed to do so..

The information being reported by you, for which you are responsible for, is.

Inaccurately reported differently on each of my reports from each of the CRA's..

You are in violation of the FCRA and have given me cause to pursue legal action.

Against you. I have exhausted all non-legal remedies available to me in good.

Faith and in effort to get you to follow the laws that you are bound by as a.

Furnisher of information..

If you wish to resolve this matter, this will be your last opportunity to do so..

As you obviously are unable or unwilling to meet the requirements of the FCRA,.

These tradelines must be deleted from each of my credit reports, with each of.

The CRA's within 72 hours of your receipt of this letter or by January XX, 2003.

TO CURE THESE VIOLATIONS or I will be compelled to initiate legal proceedings.

Against you for these violations. You must forward a letter to me stating that.

It has been removed and will not reappear on my credit reports again..

Account #.

If this account is not deleted by January XX, 2003, I will be filing a lawsuit.

For multiple violations of the Fair Credit Reporting Act..

I will be seeking civil liability in the amount of $1000 per violation..

Please also be aware I will also file a formal complaint with the Federal Trade.

Commission, The Arkansas State Attorney General, and the Better Business Bureau..

Thank you and I look forward to resolving this matter..

Any opinions? Once again, I'm not trying to cut on work by using Sassy's sample, but am having trouble writing official letters...

Hello again. Just wanted to report what's happening..

I sent an intent to sue letter 10 days ago with 72 hour notice. They ignored it. The very next day, I fired up a fax to the exec office saying they have 24 hours or I fully proceed. They ignored it..

I filled a complaint with BBB, FTC and will contact the Attorney's General Office on Monday and go to small claims court to file a lawsuit..

We thought that they would take care of my demands by now, but seems they want to pay $$$ :).

Anyway, just thought you may want to know the status...

I have one question. There seems to be confusion (court employers) as far as which court to file the law suit in. I was advised by members here, that I should do it through Small Claims Court as the amount I'll be suing for is less then $5000. Anybody knows anything about it?.

Also, I filed a complaint with the Attorney's General Office and they said they would sue them on my behalf and other's and of course follow up on that..

Very nice people..

Anyway, please let me know what you guys think about this Small Claims Court issue..

Thank you so much..

Seems like everything is going straigh to court. Do you think they will want to settle now, or will they take it to court?..

Wow, damian, this thread has it's twists and turns! I've not read this since my last response a few months ago, and there have been a lot of great comments in the interim. I have to tell you that I intended the Nutcase series for use with fully paid accounts (per my postings and the FAQ, etc.), and when I responded to you I mistakenly assumed that this was your application as well. I do understand per the subsequent discussion that some have apparently used the letter with unpaid accounts, but that's entirely beyond my scope of understanding and experience. You are clearly blazing a new trail, so I eagerly await your results..

Doc..

I know this thread is a long one and I got lost many times reading it, but seems like you got lost completely..

My account is FULLY paid account so I'm not going any other way you advised me to. But I thank you for your help and comments..

Still waiting for some info about this Small Claims Court issue..

Thanks..

Oh gosh, ok, I am lost. Sorry, it's been a long day. :(.

Doc..

Doc,.

I couldn't agree more that it's been a long day... ;P Time to get out of the office for the night..

Jb..