bigboyinc Posted August 29, 2007 Report Share Posted August 29, 2007 I sent this CA a dv after they just popped up on my cr. They didn't respond to the first one, so i sent out the second one saying they had fifteen days to respond. Here is what i got today in the mail."Dear Sir, we have recieved your communication regarding the account noted above. In response to your request for validation of this debt/account, we were unable to obtain an itemized statement describing services provided, charges for those services and payment/adjustment transactions (if any) posted to the account. Therefore we will be sending information to the credit bureaus to have this account removed from your credit a$$ an error."Keep plugging along and you will see the fruits of your labor. Link to comment Share on other sites More sharing options...
soulthoughts Posted August 29, 2007 Report Share Posted August 29, 2007 I sent this CA a dv after they just popped up on my cr. They didn't respond to the first one, so i sent out the second one saying they had fifteen days to respond. Here is what i got today in the mail."Dear Sir, we have recieved your communication regarding the account noted above. In response to your request for validation of this debt/account, we were unable to obtain an itemized statement describing services provided, charges for those services and payment/adjustment transactions (if any) posted to the account. Therefore we will be sending information to the credit bureaus to have this account removed from your credit a$$ an error."Keep plugging along and you will see the fruits of your labor.Do you mind posting a copy of the letter you sent? Link to comment Share on other sites More sharing options...
bigboyinc Posted August 29, 2007 Author Report Share Posted August 29, 2007 Do you mind posting a copy of the letter you sent?Date: April 5, 2007Re: Acct # xxxTo Whom It May Concern:I have previously sent you a request to validate my debt, account number xxx on March 5, 2007.Under the Fair Debt Collections Practices Act (FDCPA), I have the right torequest validation of the debt you say I owe you, and it is your responsibility toprovide me with proper documentation should you continue with your collectionactivities. I have received no reply from you, though I did receive confirmationvia mail that you did receive my letter on March 6, 2007, and my dispute withthe 3 credit bureaus over this collection came back as "verified." According to anopinion letter written by the FTC and posted on their website, reporting thiscollection is considered collection activity.You are now in violation of the FCPDA, and are now subject to fines of $1,000,which I may collect from you by filing a claim in small claims court. I intend tofollow through with the suit if I do not hear back from you within 15 days.You should also be aware that reporting such invalidated information to majorcredit bureaus might constitute defamation of character, as the negative marks onmy credit report harm my credit and prevent me from enjoying all the benefits ofgood credit. I'm sure your legal staff will agree that non-compliance with thisrequest could put your company in serious legal trouble with the FTC and otherstate or federal agencies. Link to comment Share on other sites More sharing options...
Moriah4 Posted August 29, 2007 Report Share Posted August 29, 2007 Congrats On that. Persistance Pays!!! Link to comment Share on other sites More sharing options...
DLR76109 Posted August 29, 2007 Report Share Posted August 29, 2007 Congratulations! It is exciting to get results from your efforts, isn't it? This stuff really works! Link to comment Share on other sites More sharing options...
Nascar3 Posted August 29, 2007 Report Share Posted August 29, 2007 Congrats! Way to go! Link to comment Share on other sites More sharing options...
beachmonkey Posted August 29, 2007 Report Share Posted August 29, 2007 Another CA bites the dust Link to comment Share on other sites More sharing options...
bd50 Posted August 30, 2007 Report Share Posted August 30, 2007 awesome letter!! great news! Link to comment Share on other sites More sharing options...
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