simplysilky Posted August 3, 2005 Report Share Posted August 3, 2005 Just recvd letter from Unique National Collections stating that based upon my dv letter, they are unable to access the account with the account number I provided-(there company has several people with my same name). In order for us to locate and access the account they will need additional information like S.S., previous address, maiden name, etc. Should I give it to them? Link to comment Share on other sites More sharing options...
codename_fortyseven Posted August 4, 2005 Report Share Posted August 4, 2005 Absolutely not. You are a fool if you give them any information. "Since you can't find this account, I consider this matter to be closed."YOUI would sue them for false or misleading representation and mischaracterizing the amount of a debt. Suddenly they can't find your account. Lots of CA's respond to DV's like this for some reason. I don't understand it. Link to comment Share on other sites More sharing options...
simplysilky Posted August 8, 2005 Author Report Share Posted August 8, 2005 I sent a DV to Unique National Collections and they responded with they need more info. to which I will not give. I go to check my status on the Experian website and its been changed to "REMAINS"!! If they need more info from me, how can they "verify" it like that??? Link to comment Share on other sites More sharing options...
codename_fortyseven Posted August 8, 2005 Report Share Posted August 8, 2005 Thats a good question to ask in court. How they can verify an account they can't find. You gave them the freebie, you threw them the lifeline, but they want to drown. Link to comment Share on other sites More sharing options...
IHateCAs Posted August 8, 2005 Report Share Posted August 8, 2005 I would send a dispute letter to the CRA."Attached is a copy of a letter I received from Unique Nat'l Collections, in response to my validation request. As you can plainly see, they have admitted they have no record of the account they are reporting even after I gave them the information they are reporting to you. Please delete this account immediately, it is invalid"Make 2 copies of that letter. One for your records, another for the CA. On the CAs copy, black out the line containing your SS# (if you sent that).Make a cover letter for the CA.Dear blah blah blahs;I am in receipt of your letter dated (whenever). I sent you all the information you were reporting to the credit bureaus. As I have no other records of this account, I cannot give you any additional information. By your own admission, you have no record of the account. Your request for additional information from me is a violation of 15 USC 1692g. It is not my job to validate this debt for you.Attached is a copy of my dispute letter to (whatever CRA you sent it to). If you verify this account to (whatever CRA you sent it to), I will file suit in the state court of (your state), for your willful violations of the Fair Credit Reporting Act, the Fair Debt Collection Practices act (and your state statutes, if you're in a place like NC, TX, OH etc).I will consider this matter resolved if all reporting is deleted from the national credit reporting agencies, and you do not attempt to collect on this invalid debt any longer, nor resell the debt to another agency to attempt collections.Sincerely,simplysilky Link to comment Share on other sites More sharing options...
simplysilky Posted August 8, 2005 Author Report Share Posted August 8, 2005 THANK YOU SOOOO MUCH FOR EXPLAINING WHAT TO DO!! simplysilky Link to comment Share on other sites More sharing options...
wahoo238 Posted August 14, 2005 Report Share Posted August 14, 2005 and your state statutes, if you're in a place like NC, TX, OH etcNC peaked my interest have semilar situation and am curious which nc statute you may be refering. Thx Link to comment Share on other sites More sharing options...
Recommended Posts