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Hello,

mikejm has just posted in the CreditWrench forum of CreditWrench under the title of First victory with the wrench.

This thread is located at http://www.creditwrench.com/consumers/showthread.php?threadid=735

Here is the message that has just been posted:
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Congrats I know how you feel.. The CRA will do nothing on the inquiry except to tell you to dipute it with the OC or the CA in this case..Another wrench tactic is needed send them the letter telling them to remove or else I will move forward on the DCPA violations..

I received a letter in the mail today from Genesis Financial Solutions after sending first payday letter last week. This is what the letter states:



Re: Smart Energy Account Number Blah Blah Blah

Dear Mr. Genuwine84:

This letter is in response to your recent inquiry regarding the aboved referenced account.

Please be advised that Genesis Financial Solutions, Inc cancelled the account in February 2005. In addition, we requested the credit reporting agencies remove any information reported by us regarding the account from your credit profile. Until the credit reporting agencies have updated their files, you may use this letter as confirmation of our action.

If you have additional questions, please contact our Customer Relations Department at 1-888-615-8762, Monday through Friday, 8:00 am to 5:00 pm, Pacific Time. Any representative will be able to assist you.

Sincerely,
Customer Relations


THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILLL BE USED FOR THAT PURPOSE.


I started this process back in December but dropped the ball on sending the 1st payday letter until last week. Apparently the issue was already resolved after the second letter. The only issue that still remain is the inquiry on my credit report. Hopefully I wont have to sue the credit bureaus to have that removed. I guess the next step would be to dispute the inquiry by sending a copy of this letter to the bureaus. The debt was only for $81 so I did not see them trying to file a suit over that. Additionally, I had several violation of FDCPA on them.
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