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Please Help!!! Got a response from CA

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I finally got a response from Collection Agency after I have requested Debt Validation. They have done nothing on my request in Debt Validation letter such as all assignment or other transfer agreements that would establish your right to collect this debt including documentation that you are licensed to collect a debt in the state of California, a certified copy of the agreement that bears the signature of the alleged debtor wherein he agreed to pay the creditor, agreement with your client that grants you the authority to collect on this alleged debt, any insurance claims been made by any creditor regarding this account, any judgments been obtained by any creditor regarding this account, and the CREDITOR DISCLOSURE STATEMENT.

They just sent me a letter with payment history. Some of the charges they made was not even true, but of course, I do not have any record for it.

What do I do now? Please help me.

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<blockquote>Originally posted by azpirin

Well, I just want this thing to fall off from my CR. So far, they haven't comply with my DV letter. What should I do now? (strategy?)

Should I resend DV letter with some nutcase in it?



What you want them to do is to violate the laws that they're bound by, creating leverage for you to have the information removed. Don't help them out by sending documentation on proper validation, case law etc. They should already know this and if they don't- guess what, it's your lucky day!

In their mind, they probably think they have validated this so you need to send them a second letter stating that the information they provided you proves nothing. It doesn't prove you're the alleged debtor and it certainly doesn't prove the alleged amount (always refer to the debt as "alleged"). Tell them that once again, you're asking for validation. Track the letter, once you know they have it, dispute with the CRA's. They cannot respond to the CRA investigation a notice of your dispute and they RARELY do this and you have at least one violation. Not responding to your letter is not violation, they don't ever have to respond to you but they cannot continue reporting without a notice.

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