And this is part of the reason we need to change things

May 29, 2008 | Category: In My Life

Thank you so much for the comments and emails about this strange "debt".

I called Loyola, AGAIN, and got a live body who seemed very confused by the 'situation'. They're gonna call me back, they say....

I know that the letter I wrote was not the 'proper' response, and I did add the necessary FDCPA language to the letter, which someone asked about. Here it is, in case:

To put it bluntly: I dispute the above-referenced debt. Please verify this debt as required by the Fair Debt Collection Practices Act.

While this debt is being disputed, you cannot report this debt to the credit reporting agencies. If you have already reported it the credit reporting agencies, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, is a violation of the Fair Credit Reporting Act and other applicable laws.

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