G M A C Mortgage Corp

Friday, November 1, 2013

This letter is a formal complaint that GMAC has failed to remove an unverified account from my credit report after they did not complete investigation into the item I disputed. The Fair Credit Reporting Act requires that a data furnisher investigate in 30 days any account that is officially disputed by a consumer. This data furnisher has failed to comply with FCRA regulations by refusing to remove the disputed item from my credit report for their failure to respond to my requests for documentation.

I have already provide this data furnisher several opportunities to comply with my requests but they continue to ignore my requests and don't respond to my letters. They continue to willfully violate the FCRA as they are receiving my requests, yet they do not respond. This must stop!

I have included copies of all the communication I have mailed this data furnisher with continued no response. Please take the time to review my requests. You will see that all of my requests have been made pursuant to the FCRA and I have provided more than the legally required time to complete.

I need your company to enforce the regulations of the Fair Credit Reporting Act and require this company to remove this account from my credit report. Enforce these regulations and show,their offices that the FCRA does mean something and that they cannot continue to operate only in the interest of money and without penalty.

Credit reports and those credit scores derived from these reports are paramount to life as an American citizen. Anything and everything that we do is related around my credit report and credit score. This is a serious request to investigate this company and the policies and procedures they use to report accounts on a consumers credit report as there is obviously suspect practices in place.

The credit bureaus must be held liable for their willful violations of the Fair Credit Reporting Act They cannot be continued to operate with such illegal and unethical practices. Your offices must step in and uphold the laws of the FCRA and demand the immediate removal of this account from my credit report.

What good do the rules, regulations and punishments of the Fair Credit Reporting Act do if they are not enforced? I have exhausted my patient and now need your assistance as I have no other options.

Kind Regards,