When debt collectors cross the line, our attorneys can help.

Get a Free Case Review

Banana Republic


PO Box 965005
Orlando FL 32896-5005

Contact Them:


Fast Fact: Pursuant to the Fair Credit Reporting Act, it is unlawful for a credit bureau to willfully and negligently fail to communicate that a disputed debt is disputed by you.

You should dispute a debt in writing if you feel as if the dollar amount being requested is inaccurate, if you feel the debt is not owed at all, or if you feel the debt is fraudulent.

If your alleged Banana Republic account is with a collection agency, you can send a letter to that collection agency within thirty days of first being notified of the collection. You should send such a letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation or proof of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt.

    The Fair Credit Reporting Act (“FCRA”) regulates the credit bureaus’ responsibilities as to your credit report. There are many things credit bureaus are required to do as it pertains to their credit reporting. Credit Bureaus must:

  • report accurately;
  • conduct a reasonable investigation of any dispute you make with them as to inaccurate credit reporting;
  • clearly mark any trade line disputed by you as disputed by the consumer.

    Your best option is to consult with a consumer protection attorney if you believe your rights are being violated.


    1. w88 on September 21, 2020 at 4:35 pm

      … [Trackback]

      […] Read More to that Topic: […]

    2. How to Order THC concentrates online on September 23, 2020 at 7:47 am

      … [Trackback]

      […] Information to that Topic: […]

    3. es seguro invertir en bitcoins en mexico on September 30, 2020 at 7:36 am

      … [Trackback]

      […] Here you will find 11532 more Info on that Topic: […]

    4. used travel trailers for sale on October 29, 2020 at 10:31 am

      … [Trackback]

      […] Read More Info here on that Topic: […]

    5. Digital Transformation Consultant on November 4, 2020 at 9:32 pm

      … [Trackback]

      […] There you can find 68603 more Info on that Topic: […]

    6. mơ trả nợ đánh con gì on November 11, 2020 at 9:58 pm

      … [Trackback]

      […] Find More on to that Topic: […]

    7. cách nhớ bài catte on November 15, 2020 at 3:26 am

      … [Trackback]

      […] Read More Information here to that Topic: […]

    8. Regression Testing meaning on December 1, 2020 at 3:05 pm

      … [Trackback]

      […] Information to that Topic: […]

    9. full eu driving license on December 1, 2020 at 8:23 pm

      … [Trackback]

      […] There you will find 25965 additional Info on that Topic: […]

    Share Your Experience

    For security, use of Google's reCAPTCHA service is required which is subject to the Google Privacy Policy and Terms of Use.

    I agree to these terms.

    Vullings Law Group, LLC d/b/a VullingsLaw is not responsible for the content of the consumer comments provided here.  Vullings Law neither supports nor provides any opinion as to the statements made herein.