I'm stumped. I'm not so sure what is the answer to that question. I'll do some research and get back to you if I discover an good answer. You should email the people at Lending Tree as they probably can help you..

I did pay them off, the account is marked "Paid in settlement" on EX. I'm looking for any excuse to sue them cause it has a bunch of late pays on it and I want the whole thing deleted...

Call them and verify when they closed it. Tell them you are anal and just want a record for your files LOL. Then move on the PP..

I say verify it is closed - I thought Foley's was closed for years. It is open with a -0- credit limit..

BTW - since you settled, do you have a written settlement agreement, saying it is paid in full?..

I already went anal on them a long time ago. sent a nasty validation letter to them. check it out..

To Whom it may concern:.

I am formally demanding that you validate all tradeline notations you have submitted to the three major credit reporting agencies by xxxxxxxx for me, xxxx xxxxx, for account number xxxxxxxxxxxx..

Be advised that I am not requesting a verification that you have my mailing address; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline..

Due to possible inaccuracies in these Credit Reporting Agency reports, I must demand that the validation I hereby lawfully request includes:.

1). A certified true copy of the original contract signed by the alleged debtor, to include a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable..

2). Certified true copies of the agreements wherein the alleged debtor agreed to pay for items purchased..

3.) A certified complete itemized statement of account to include all charges, payments, interest, late fees assessed, and the dates associated with each so that I can conduct a full audit of the account for possible inaccuracies..

4.) The name and address of the agent responsible for receiving summons..

Note that section [15 U.S.C. 1681s-2 ](a)(1)(A) of the Fair Credit Reporting Act creates a cause of action for a consumer against a furnisher of erroneous credit information while [15 U.S.C. 1681n] provides for relief of damages..

623. Responsibilities of furnishers of information to consumer reporting agencies [15 U.S.C. 1681s-2].

(a)(1)(A) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate..

616. Civil liability for willful noncompliance [15 U.S.C. 1681n].

(a) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of.

(1)(A) any actual damages sustained by the consumer as a result of the failure or damages of not less than $100 and not more than $1,000; or.

(B) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or $1,000, whichever is greater;.

(2) such amount of punitive damages as the court may allow; and.

(3) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney's fees as determined by the court..

..

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to answer these demands. If you are unable to comply, I will accept full deletion of the account from my Credit Reporting Agency files as an acceptable answer and cease all further actions to validate. Any other action may be construed as evidence of a willful and conscious effort to avoid knowing that the account contains inaccurate information by denying me the opportunity to ascertain for myself and report back to your company any inaccurate information that may have been previously overlooked or ignored on your company’s behalf. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for civil and criminal complaints being filed in accordance with the FCRA and other federal statutes..

I look forward to a timely and amicable resolution to this matter..

Sincerely yours,.

Xxxxxxxxx.

Xxxxxxxxx.

Xxxxxxxxx.

IN WITNESS WHEREOF.

State of xxxxxxx ).

County of ____________________________).

Personally appeared before me, ___________________________ the undersigned, a Notary Public in and.

For said County and State, the within named ___________________________, with whom I am personally.

Acquainted (or proved to me on the basis of satisfactory evidence), and who upon oath acknowledged that.

He/she executed the within instrument for the purposes therein contained..

Witness my hand and seat, at office in _______________, xxxxxxxxx, this the _____ day of.

__________________, 2002.

________________________________________.

NOTARY PUBLIC.

My Commission Expires____________________.

Apparently it got their attention. I got a letter from some contract attorney. said he will have me the information in two weeks. I was like WTF? an OC actually trying to validate!..

So you nutcased them and they pulled an AR of your report??????????..

No A/R yet from the nutcase. won't know until for a few days when my CHOD disputes come back...

I paid IN FULL 2 creditors (providian and WFNNB)... both did AR inq's after the accts were closed and paid..

I sent them letters on dec 5, told them they have until dec 30th to respond.

What do I do if they dont respond? :)..

I applied for an orchard bank card once and was denied. but they pulled my CR every month for about eight onths. I dont even know why...

Depends, are you after money or deletion of derogs?..

Allen, you know what you have to do if they don't respond ;-)..

Just reread your post again. It is marked paid in settlement on EX...did they pull the inquiry from EX? Someone help here, can she call and ask for the certification of PP provided by the creditor?..

The letter you wrote them is called the "nutcase"..

Did they do the A/R.

Before.

Or.

After.

You sent the nutcase letter???..

1 A/R on EQ 2 weeks after last payment.

Nutcased'em nov 27...