DEC 3, 2014RE [redacted] FILE [redacted] TO WHOM IT MAY CONCERN:Our office responded to this consumer upon his 1st written request on 2/25/and again on 1/29/2010.A copy of the signature card and statements were sent to him at that time His dispute inquiriesmatch the ID info we have for this account and the debt has been confirmed with our client [redacted] *** We have responded to numerous dispute inquiries through the credit reporting system.The consumer also sent us a letter 3/7/offering to settle the claim for if we remove it from his credit file.FCRA guidelines prohibit the deletion of valid debts from credit reporting and as such we must comply with those guidelines.If the consumer wants to pay the account it will be updated with Equifax to reflect payment history If the balance is paid then it wouldbe reported as paid in full.I trust that this addresses the issues raised in the consumer's complaint.Sincerely,Bill F*Vice President
DEC 3, 2014RE [redacted] FILE [redacted] TO WHOM IT MAY CONCERN:Our office responded to this consumer upon his 1st written request on 2/25/and again on 1/29/2010.A copy of the signature card and statements were sent to him at that time His dispute inquiriesmatch the ID info we have for this account and the debt has been confirmed with our client [redacted] *** We have responded to numerous dispute inquiries through the credit reporting system.The consumer also sent us a letter 3/7/offering to settle the claim for if we remove it from his credit file.FCRA guidelines prohibit the deletion of valid debts from credit reporting and as such we must comply with those guidelines.If the consumer wants to pay the account it will be updated with Equifax to reflect payment history If the balance is paid then it wouldbe reported as paid in full.I trust that this addresses the issues raised in the consumer's complaint.Sincerely,Bill F
*Vice President