akins503 Posted April 14, 2007 Report Share Posted April 14, 2007 I DV'd them several weeks ago and just got a response today. They sent me on their letterhead an Account Statement ( statement date, account no.,principal amount,interest fees,balance, original creditor, etc.) I beleive I have them right where I want them. I guess I should write them and let them know this is unacceptable and I intend to sue. I would appreciate som advice. I don't want to screw this up.Thanks Link to comment Share on other sites More sharing options...
Big Time Posted April 15, 2007 Report Share Posted April 15, 2007 Are they on your credit reports? I Link to comment Share on other sites More sharing options...
akins503 Posted April 15, 2007 Author Report Share Posted April 15, 2007 Are they on your credit reports? I Yes on all three Link to comment Share on other sites More sharing options...
Big Time Posted April 16, 2007 Report Share Posted April 16, 2007 May we assume that the word "dispute" was in the DV's you sent? Link to comment Share on other sites More sharing options...
akins503 Posted April 16, 2007 Author Report Share Posted April 16, 2007 May we assume that the word "dispute" was in the DV's you sent?Yes Link to comment Share on other sites More sharing options...
Big Time Posted April 17, 2007 Report Share Posted April 17, 2007 Did they list their tradeline as "Disputed?" Link to comment Share on other sites More sharing options...
akins503 Posted April 17, 2007 Author Report Share Posted April 17, 2007 Did they list their tradeline as "Disputed?"Yes Link to comment Share on other sites More sharing options...
InsideTexas Posted April 18, 2007 Report Share Posted April 18, 2007 How is that not acceptable? did they NOT list everything in parenthesis? Link to comment Share on other sites More sharing options...
Big Time Posted April 18, 2007 Report Share Posted April 18, 2007 If they added their tradeline, but noted it as disputed by you, then they have actually complied with that law, but that validation is a joke.Are they claiming an amount greater than you actually owe? Link to comment Share on other sites More sharing options...
akins503 Posted April 18, 2007 Author Report Share Posted April 18, 2007 If they added their tradeline, but noted it as disputed by you, then they have actually complied with that law, but that validation is a joke.Are they claiming an amount greater than you actually owe?I beleive they are claiming way more than is owed. The SOL has long since expired. I thought once they attempted to validate that their vlidation had to be legitimate. I am still new to this and am attempting to read as much as I can on these boards. Link to comment Share on other sites More sharing options...
zowie Posted April 18, 2007 Report Share Posted April 18, 2007 A printout on their letterhead is not validation. Send them another dv asking them for proof that this is your account, etc. I have a sample letter but i am at work and it is on my computer at home. Link to comment Share on other sites More sharing options...
akins503 Posted April 18, 2007 Author Report Share Posted April 18, 2007 A printout on their letterhead is not validation. Send them another dv asking them for proof that this is your account, etc. I have a sample letter but i am at work and it is on my computer at home.I already did. I used one from the book "GC is Sexy" and changed it around a bit. Link to comment Share on other sites More sharing options...
Big Time Posted April 18, 2007 Report Share Posted April 18, 2007 That is probably true. CA's usually calim what they cannont prove. You need to find some good ITS letter examples and decide if you can follow through, or just demand they delete their illegal amount, SOL TL to keep you from filing suit. Link to comment Share on other sites More sharing options...
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