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Early/Mid May 2021 sent a DV letter to Cavalry re: collection account. Letter requested statements and account agreement. About one week after green card was returned signed to me, received a letter via usps non-certified mail (basic us postage) stating that Cavalry didn't "accept" my reasons for disputing the debt (it was a DV letter!) and that the account in question was in the hands of their attorney. Am I correct that neither of their responses are an appropriate (legal) response to my DV letter? Are they not legally bound to provide me a statement of amount owed and a copy of the original account agreement per law? If I am correct, is their refusal to provide debt verification/validation in and of itself a FCRA violation? Guidance is appreciated.
I'm starting a new chapter in my life and trying to get my "stuff" together after burying my head in the sand for a few years. In short, I pulled my CRs, only to find that I had 8 collection accounts in my credit report(s). Aware of this site/forum from a similar experience a decade ago, I decided to face my debts and obligations head-on and get started with the rest of my financial life. Because I know that I owed the money on all of these accounts, my first line of defense was to simply see what would happen if I mailed monies to the original creditor with old statements/invoices that I found. I tried this with 5 accounts.............4 of the original creditors cashed/deposited my checks. The 5th OC sent my check back with a handwritten note advising me to contact TEK Collect to make payment arrangements. (The check I sent was for $56 to pay in full and they refused it. The CA is asking for $72, but I've never received any documentation or phones from them.) Here is where I need some help and here's what I did..............I'm looking for some general next steps; 1) I have disputed all of these collection accounts with the 3 bureaus 2) I mailed the Original Creditor the paid in full amount. (I did not mail any money to any CA.) 3) I DV'd each of the CA's after the checks were cashed CMRR. 4) I received a DV response from one CA stating that I have a balance of zero and that "their office" received the check along with their other DV-response form jargon. This is ludicrous because I know the OC endorsed the check by looking at the back of it through my banking system. 5) I received a DV response from another stating that they are collecting on the interest of the account they assumed from the OC ($231.19). I paid the OC through a credit card $847 (the principal amount) directly over the phone without any mention of inclusion of the CA. 6) Oddly, another CA sent me back a DV response stating that my balance was paid in full and would remain on my CR for 6 years and 9 months, yet it fell off of my credit report today. So........................I hope was that by the OC taking payment in full, it would basically "null and void" the CA altogether, causing them to erroneously respond to my DVs and/or allow me to prove to the bureaus that accounts were paid direclty and no CA should be listed for specified account. Does anyone have recommendations for next steps to remove the collections from my CR based upon the OC's taking the money in full? Thanks!