IRM (866) 974-6204
via Fax (716) 565-9399 (10:40am)
Called to verify fax rec’d.
Fax Confirmed 10:47am
Buffalo NY
Attn: Collection Manager / Supervisor
Re: VICTORIA SECRET
Acct / File # 09-108190
In reference to the Fair Debt Collection Practices Act (FDCPA), 15 USC 1692g, I’m disputing the alleged debt associated with “VICTORIA SECRET”
You had (3) yrs. from the date the Account was closed or date of last transaction activity to file a Warrant in Debt for the $507.64 amount. Since I reside in Virginia, you must abide by Virginia “Statute of Limitations” (VA Code §8.01-249 (Para. 8) time period as required by law). Collection on this account is not legally enforceable/valid because Victoria Secret failed to enact proper legal collection within (3) yrs. of the account being closed or last payment activity.
Please take the following immediate actions:
(1). Contact all (3) Credit Bureaus and remove this information from my Credit Files today.
(2). Since VICTORIA SECRET closed my account Dec. 06, 1998, the Statute of Limitations became in effect and expired Dec. 06, 2001 for any collection attempts. Statute of Limitations clearly stated by Virginia law this Credit Card is considered an Open/Revolving Account and VICTORIA SECRET did not file a Warrant in Debt within (3) years of the account being closed (Dec. 06, ‘98). The VA Statue of Limitations expired Dec. 06, 2001 and this debt is not legally collectable.
(3). IRM is hereby legally notified (as of July 15, 2009), your Collection Agency is restricted and no longer authorized to contact me by phone for any reason. Any further calls to my residence will constitute telephone harassment under FCC Law.
Please fax your written correspondence to me today to (757) 498-1167 to confirm your intentions.
I look forward hearing from you today (by fax or email) to confirm you have promptly removed your negative reporting to my (3) Credit Bureaus as legally warranted and justified. Should IRM fail (or willfully neglect/refuse) to remove negative remarks off my (3) Credit Bureaus immediately, I will personally seek $2,500 in justifiable damages for each negative report totaling up to $7,500.
Here's a scripted letter I sent to them (by Fax)
IRM (866) 974-6204
via Fax (716) 565-9399 (10:40am)
Called to verify fax rec’d.
Fax Confirmed 10:47am
Buffalo NY
Attn: Collection Manager / Supervisor
Re: VICTORIA SECRET
Acct / File # 09-108190
In reference to the Fair Debt Collection Practices Act (FDCPA), 15 USC 1692g, I’m disputing the alleged debt associated with “VICTORIA SECRET”
You had (3) yrs. from the date the Account was closed or date of last transaction activity to file a Warrant in Debt for the $507.64 amount. Since I reside in Virginia, you must abide by Virginia “Statute of Limitations” (VA Code §8.01-249 (Para. 8) time period as required by law). Collection on this account is not legally enforceable/valid because Victoria Secret failed to enact proper legal collection within (3) yrs. of the account being closed or last payment activity.
Please take the following immediate actions:
(1). Contact all (3) Credit Bureaus and remove this information from my Credit Files today.
(2). Since VICTORIA SECRET closed my account Dec. 06, 1998, the Statute of Limitations became in effect and expired Dec. 06, 2001 for any collection attempts. Statute of Limitations clearly stated by Virginia law this Credit Card is considered an Open/Revolving Account and VICTORIA SECRET did not file a Warrant in Debt within (3) years of the account being closed (Dec. 06, ‘98). The VA Statue of Limitations expired Dec. 06, 2001 and this debt is not legally collectable.
(3). IRM is hereby legally notified (as of July 15, 2009), your Collection Agency is restricted and no longer authorized to contact me by phone for any reason. Any further calls to my residence will constitute telephone harassment under FCC Law.
Please fax your written correspondence to me today to (757) 498-1167 to confirm your intentions.
I look forward hearing from you today (by fax or email) to confirm you have promptly removed your negative reporting to my (3) Credit Bureaus as legally warranted and justified. Should IRM fail (or willfully neglect/refuse) to remove negative remarks off my (3) Credit Bureaus immediately, I will personally seek $2,500 in justifiable damages for each negative report totaling up to $7,500.
Sincerely,
TRACY
Number: 866-974-6204