ACCESS CAPITAL - CA. What to do?

[koolaid005]

I received a CMRRR regarding a Valdiation Letter that I sent out. I sent out a letter to Access Capital. (I live in Cali) Access sent me a copy of the orginal application from the original Credit company. I know that I don't owe the CA but should I send the a C& D letter to the CA and tell them that I only deal with the OC. If I do that should I sent a DV letter to the OC? Please help. Thank you

[codename_fortyseven]

First, how old is this debt? When was the last payment made? An original application is not validation. All that proves is that you had an account. Are all the charges correct? Does it detail the billing from 0 to whatever the current debt is?

C/D= please sue me. Only do that if you are past the SOL in your state.

The OC may have sold the account to a JDB or assigned it to a CA. Find out.

You can't DV an OC.

[koolaid005]

First, how old is this debt?

HERE IS THE INFO THAT THE CA IS REPORTING.

ACCESS CAPITAL

Account No.: XXXXXXX XXXXXXXXX

Original Creditor: FINANCE THRIFT SMALL TOWN OFFICE FINANCE THRIFT

TU EQ

Responsibility: Individual Individual

Condition: Derogatory Derogatory

Original Balance: $368 $368

Balance: $452 $452

Date Opened: 01/22/2004 01/2004

Date Reported: 01/11/2005 06/2005

Remarks:

[TransUnion] Placed for collection

[Experian]

[Equifax] Subject has not satisfied debt.

BELOW IS THE INFORMATION THAT THE OC IS REPORTING WITH EXPERIAN THEY WERE REPORTING TO ALL THREE BUT I WAS ABLE TO GET IT DELETED WITH EQ AND TU.

Account No.: 351101017414****

Condition: Derogatory

Balance:

Type: Installment sales contract

Pay Status: Late 90 Days

When was the last payment made?

I am not sure about that one? I think it was in 2001 or 2002.