I also have a factored telco on my credit file. So does anyone have any updates for their dealings with these Factored Telco accounts. Which direction did you eventually take to be successfull in removing from your credit file. Any input appreciated!! thx.

Couldn't hit the Privacy website today (unavailable) so hit Wikipedia instead: http://en.wikipedia.org/wiki/Personal_Information_Protection_and_Electronic_Documents_Act

Think that I'd have to do a little digging before I could answer your question. Myself, I'm from Ontario and I've used that letter with RBC and one other creditor aproximately a year or so back. In both cases I received a stack of statements a few weeks later. Unfortunately, I don't recall if either firm sent me a copy of the original contract?

Wish I could offer more, but unfortunately I'll not up to speed on the British Columbia's Personal Information Protection Act. Sorry.

So I could use this letter to send it to any any bank or Telco that claims to have a debt on my credit report? According to the PIPEDA website there are some companies that aren't governed by PIPEDA in BC, AB and QC but are governed by similar prov. statutes.

Here's a letter you can use to request validation under The Personal Information Protection and Electronic Documents Act (PIPEDA) to obtain the information you require. I've used it a few times and had success. Just be sure to send it via fax or registered mail so that you have confirmation of receipt.

Good Luck!

O.C.

*******************************

Your Name
123 Abc Rd. E. Unit 3
Toronto, ON M9G 3T2

May 1, 2009

Company Name
123 Abc Rd. E.
Vancouver, BC L6V 1B9

Attention: Privacy Officer

Dear Ms. Smith;

Re: Your Name
Account # 123456789

I am writing you in connection with the above-noted account.

This letter will confirm that, under the Personal Information Protection and Electronic Documents Act (PIPEDA), I wish to obtain a copy of all records containing my personal information.

More specifically, I am requesting copies of the following records:

* Any recorded telephone conversations with respect to my account involving employees of ABC Company Inc.

* The contents of your electronic file on my above-noted account, including but not limited to the note lines;

* The contents of any hard copy file in connection with the above-noted account;

* Outgoing correspondence with respect to my file including any documents sent by regular mail, courier, facsimile (including fax cover sheets) or e-mail;

* Incoming correspondence with respect to my file including any documents received by regular mail, courier, facsimile or e-mail;

* All contracts that contain my signature;

* Any credit reports in your possession.

I understand that under PIPEDA, you have 30 days from the date you receive this letter to provide me with any records containing my personal information, except where you satisfy the conditions for a 30-day extension, in which case you have 60 days from the date of receiving this letter to provide me with copies of the requested personal information.

Sincerely,

Your Name

cc: Office of the Privacy Commissioner of Canada

******************************
NOTE: You do not need to cc the Privacy Commissioner, but leaving that in the letter adds an extra impact to your request.

Is anyone else having issues with this cbv company? I acknolwledged 2 bad debts with telus or telco- I paid off my debt cash over 2 years ago have a paid reciept with clean credit with both equifax and trans union-its been over 2 years had clean credit than wham a phone call you owe us $500 but because your late paying us you now owe $700...pay now or we will ruin your credit. Help...can this be real? who are these people and why will they not fax me a statement of why I have to give them $700. Where did this debt come from?I Just have to give them money and it goes away...I spoke to 3 people at cbv today Danny, Tyler and, Monique the apparent supervisor, each one had a different story, amount due and Monique was yelling at me because I asked for a statement, a tangable of why I need to send $700 today. I am battered and upset that I may not be able to get my mortagage now-I have worked so hard, maticulous and paid back all outstanding debts so I can get my house....Please Help...this is blackmail, racketeering and abuse.

I would like to know if there is an answer to your question, GTPI, but I suspect the only remedy is to take CBV, and other dishonest collection agencies, to court and make them back down.

The credit reporting agencies have no interest in curbing this growing trend of ruining good credit with bogus claims, so until someone smacks them down with a good lawsuit (which of course will be much more expensive than just paying the blackmail) this practice will continue.

I am going to continue investigating this with the help of a lawyer, and maybe Service Alberta... but since this company is based in BC, I don't know if they'll even get involved.

So I just aplied for a mortgage and have a bad debt from this CBV Factored telco with no account # can't find a # for them and so on!
Any help?
Also don't we have any rights againts these companies that can just say we owe them whatever they want.
Ex: Rodger cellular continued to charge me for 1 year after my contract finished. I didn't even have a phone the whole time and then when I refuse to pay they just put me to collections and ruin my credit.

I called CBV at their Calgary number. They were able to give me a Telus account number and so I called Telus and checked the account. It did have an outstanding charge - but the numbers very different. Lots of interest added, presumably.

After a LOT of prodding, I was able to get the Telus rep to dig around and find what the old charges were. There was a lot of strange stuff, including multiple service fees and a collect call from Guyana for 16 dollars!? I don't know anyone in Guyana. This whole thing stinks like administrative fraud, and I am loathe to pay it off. However if I dispute it, all CBV has to do is say 'yup, it's real' and then Transunion/Equifax will write back saying - 'yup, it's real'. and then what? The credit bureaus don't offer any proof or rationale behind their so-called research and decision. They just send back a form letter.

I hear a lot of people saying things like "they're required by law" etc. but I don't see any remedies for pushing these companies if they're breaking the law.

As several people have counselled I disputed this charge on my Transunion report but TU mailed back and said that they have confirmed that the charges are factual.

They gave me a phone number to contact - 604-687-4559 but I am reluctant to do so since I don't want to be hassled by these scammers.

Can anyone offer another remedy?

Hey , Just got one of these notices in the mail from CBV Factored Telco (which I initially thought meant " credit bureau vancouver " `) . Says I owe them over $1100 but can settle now for $676 at some discount . I have no idea who they are . Read this thread and people say Telus but I have no bill with Telus . Should I just ignore this ? I just applied for and was approved and received a Mastercard ..Is this somehow related ? Can anybody help me ? What have you all done? Please PLEASE let me know at my email addy .. timothyzone.at. hotmail.com

Thank you everybody