I have an account that appears to have been illegaly re-aged - an old car repossession that happened in California 8 years ago. the original creditor fell off my report 2 years ago but suddenly a collection agency popped up last October stating debt is dated as of October 2015. I disputed with credit agency and it came back verified. :{ I was advised on this board to send letter to CRA asking for how they verified the debt and that should get it removed. I was also advised to send an intent to sue letter to collection agency and call consumer law attorney. My question is - what exact verbage do I put in letter to collection agency? They just updated their info on my report 2 days ago saying account was updated to reflect Feb 9th date and stated it was collection/charge-off and my score dropped 35 points! :0 I am about 99% positive I never made any payment to this agency and I was late for months to the OC before car was repossessed 8 years ago. If I send letter to CRA asking to send me who and how they verified debt and it gets deleted - can the collection agency come back and post again? Should I just send to CRA first or should I send a letter to both CRA & Collection agency? I fear the collection agency wil come back doing the same thing that CRA and say debt is verified and this thing will drag out forever. :{ I need to get approved for a car loan as we are down to one car for over a month and this hit is going to kill me! Thanks for all your guidance.
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