0804 Posted August 19, 2003 Report Share Posted August 19, 2003 I've sent out a DV with my name. I received their response letter to the primary applicant's name (joint account not AU). Regarding their response, they need me to send out more information like DL, SS# in order for them to validate this. What should I do now? Thanks Link to comment Share on other sites More sharing options...
i'macreditrisk Posted August 19, 2003 Report Share Posted August 19, 2003 DO NOT send them your dl# and ssn. The only reason they need that info is to help them along in pursuing collection efforts against you, making their job that much easier. How far past due is the account? What type of debt is it? Has the account been referred to a CA yet? Link to comment Share on other sites More sharing options...
0804 Posted August 19, 2003 Author Report Share Posted August 19, 2003 this is a charge off account for over 6 years from Discover. No CA involved i think, just that OC kept sending me statments for the total amount due. Link to comment Share on other sites More sharing options...
0804 Posted August 20, 2003 Author Report Share Posted August 20, 2003 Just read the letter again and it asks for copy of DL or official doc containing my signature, my signature 3 times, a detailed letter including any documentation to substantiate my dispute.... why don't I just validate myself for my own debt owed to my OC..... Link to comment Share on other sites More sharing options...
0804 Posted August 20, 2003 Author Report Share Posted August 20, 2003 can someone tell me what should I do when i get a reponse from OC for more info? thanks. Link to comment Share on other sites More sharing options...
michigangirl530 Posted August 21, 2003 Report Share Posted August 21, 2003 0804 in my past situation when an oc sent a letter stating they wanted more info i just ignored it and sent second letter demanding that they verify the account was mine or delete from my report and they deleted. hope that helps if not sis may b able to assist u with this matter. Link to comment Share on other sites More sharing options...
0804 Posted August 21, 2003 Author Report Share Posted August 21, 2003 thanks for your help. DO you have the sample letter? thanks. Link to comment Share on other sites More sharing options...
NefertitiX Posted December 24, 2004 Report Share Posted December 24, 2004 I dv'ed the OC...the account was closed in 2000 and its the worst item on my credit report. They wrote back asking for DL, SSN, DOB and previous addresses. I drafted the response but am uncomfortable sending it. Should I not provide this?! There is an CA involved (A$$et Acceptance) that bought this account but they couldn't validate so I'm almost done with them. I sent this to the OC hoping to get rid of their tradeline too. What should I do here, continue down this road with the OC or just send them another demand letter without answering their request? Link to comment Share on other sites More sharing options...
Andyt293 Posted December 25, 2004 Report Share Posted December 25, 2004 I receive a similar letter. I ignored it. Two weeks letter I received a letter from the CA indicating that the CA was "temporarily" removing the listing from my CR's until their DV investigation is complete.NEVER send anyone your signature. The CA's don't sign their letters, why should you. It is very easy for an unethical CA to copy your signature onto an agreement or contract. Same for DL or SS numbers. Look at it this way, these bastards didn't have any trouble getting your SS number when they listed information on your CR. The FDCPA does not require you to provide this information. As previously mentioned, it's not our responsibility to do the work of a CA. Ignore the letter, as it is not a proper response to a DV request. Wait 30 days from the time you sent your first DV letter, then send them a second letter giving them say, 15 days to respond to your DV request. Enclose a copy of your first letter and your green card from the post office. Indicate your intent to sue.THEN SUE THE PANTS OFF OF THEM!! Link to comment Share on other sites More sharing options...
NefertitiX Posted December 27, 2004 Report Share Posted December 27, 2004 ...but not with any of the information they requested. I sent a DV letter to Citibank with the same information (i.e. account number on my report and name) and they removed the information so the OC shouldn't need anything else either to investigate. Hopefully, they give me the response I want. They have already sold this account so I would think the chances of them still having the records are slim and the chances of them caring even slimmer. Thanks for the advice! Link to comment Share on other sites More sharing options...
Recovering Attorney Posted December 27, 2004 Report Share Posted December 27, 2004 Other people on this board have had nasty experiences with Discover, so you might want to read and see if you think it is in your interest to give them the info. I would be concerned they will take the info and use it later to say you acknowledged the debt so the SOL clock gets reset. You have to weigh waking the sleeping dog vs. waiting out the end of the 7 years. You did not fully explain the situation. Is this your debt or someone else's where you were an AU? Link to comment Share on other sites More sharing options...
NefertitiX Posted December 27, 2004 Report Share Posted December 27, 2004 Recovering,It's my debt and the account closed in 2000 and the OC sold it and eventually it ended up with A$$et A¢¢eptance. Of course, Asset couldn't validate so I got their entry removed (or at least it should be gone by week's end if they don't want to be sued). However, the OC tradeline is ugly so I wanted to get that removed if possible. So, I sent them an OC DV letter hoping they woudn't have the records or would just delete the tradeline. Anyway, they responded asking me for my info...namely DL, SSN and DOB. I responded saying my legal representation informed me that I'm not obligated to provide more than name and account number especially because I believe information is being misreported under my credential and that because they have already reported information to the CRAs under that information they are responsible for updating it accurately or removing it. If they've sold the debt, what can do they do? I had assumed nothing...hopefully that wasn't a mistake. Link to comment Share on other sites More sharing options...
KentWA Posted December 28, 2004 Report Share Posted December 28, 2004 I just ran through this with an OC that wanted my full credit reoprt and fired this back at them in a letterThis letter is in response to your letter of XX December 2004 requesting a copy of my credit report and informing me to dispute this through the Credit Reporting Agency.In my original FAX I provided you with the section of my credit report that contained the data on my account, which you are reporting to the Credit Reporting Agencies. In addition I provided my address and account number with YOUR STUPID BANK.I find your response deficient as to a proper response under the Fair Credit Reporting Act (FCRA) and the Fair and Accurate Credit Transaction Act (FACT Act), specifically 15 USC 1681§-2(a)( 8 ). Under the FACT Act a consumer’s dispute to inaccurate information must be properly directed at the original furnishers of the incorrect information and those furnishers have 30 days within which to investigate the dispute and provide a proper response to the consumer. The information supplied went beyond that required of consumers per 15 USC 1681§-2(a)( 8 ). There is no basis for providing a full credit report to you, as you should be fully aware of the data you have reported.blah, blah, blahThe FACT Act, as I read it, only requires that you identify the account you are disputing and they have no budge room there to get stuff from you like signatures, etc. In my case they answered this second letter with a "We will investigate". Link to comment Share on other sites More sharing options...
NefertitiX Posted December 29, 2004 Report Share Posted December 29, 2004 ... sent them a letter to that effect and if they refuse to investigate, I'll quote FACTA. I think I'm going to go on a rampage with this OC DV thing. Once I'm sure I'm in the clear with all of them, I figure its worth the chance. DCV was my biggest monster and since they sold the debt I don't think there is anything they can do. Link to comment Share on other sites More sharing options...
biltmore Posted January 22, 2005 Report Share Posted January 22, 2005 So if you send out an initial letter to a CA, and they respond with some Half a**, b*llsh*t invalidation letter, do you have to wait the full 30 days before you send the second request for validation? or can you send it right back out?I sent a letter out and then when I got a computerized print out of the bill, I immediately (the same day!) wrote back requesting for validation.Did I jump the gun on this one? Link to comment Share on other sites More sharing options...
NefertitiX Posted January 22, 2005 Report Share Posted January 22, 2005 Nope, I think once they've sent their response you are free to respond. I think you only need to wait the 30-35 days if they are slow to respond or it doesn't appear that will respond. Link to comment Share on other sites More sharing options...
biltmore Posted January 23, 2005 Report Share Posted January 23, 2005 Oh cool ...thank you my dear. Link to comment Share on other sites More sharing options...
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