mnnance3

Copy and paste isn't quite true... I changed all the relevant places reguarding the CA, Myself, accounts, dates etc...

I used the specific wording in the sample letter: This letter is being sent to you in response to a notice sent to me on *****. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( that your claim is disputed and validation is requested.

A CA contacted me saying I owed money to verizon. The cited the OC as verizon and gave a phone number I know is not and never has been mine. I sent a validation request per the sample on the website. The CA has replied with the following: 11/26/2007 Acct # XXXXXXXXXXXXXXXX Creditor acct # XXXXXXXXXX balance due $200.23 We have received your dispute but we are unable to confirm at this time. You have provided insufficient data to substantiate your claim. We will complete our investigation within 30 days of receipt of the following information: - The Specific information you dispute - An explanation of your dispute - All supporting documentation to substantiate your claim. Examples may include but not be limited to, photocopy of your drivers license, the identification page of your passport, proof of residency at the time of service, receipts, etc. - A valid phonbe number to contact you please contact our office to resolve this matter (office hours toll free number) This is an attempt to collect a debt. Any information obtained will be used for that purpose. you have the right to inspect your credit. this is a letter from a debt collector. Sincerely, ETc... ---------------- It seems they are attempting to buy time and trick me into dealing with them without verifying the debt. So far there is no report with the CRAs Should I reiterate the validation request and point out that under the FDCPA they may not contact me again until the validation is done. I assume I am under no obligation to provide them the data they requested. I also assume that the point is to have them validate the claim against me, not have me prove the dispute is valid. Suggestions???