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My DV response follow-up letter

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DV'd a CA about an old Power Company bill. They sent a computer printout with my name and previous address, but the dates don't match up - I moved to another city several months before they last charges were dated. Also, they included the actual letter they sent the power company asking for the validation. I found it interesting that they asked the OC for not only an "itemized verification," but specifically for a "signed consumer agreement and/or contract" - which was NOT sent to the CA, BTW. Gives a little insight as to what THEY consider to be proper validation.

This is what I'm sending in response. I would appreciate any feedback before I send.

I recently requested validation of a debt that I discovered on my credit reports. I received a mailing from your offices dated October 26, 2007 (copies enclosed) attempting to validate this debt. This letter is to inform you that I believe the information provided was insufficient in proving that this debt is valid, and that I am indeed responsible for payment.

Your letter contacting the original creditor (xxxxxxxxx) was attached, along with a computer-generated printout showing a brief transaction history. While this information does meet my request for a breakdown of how the balance was determined, xxxxxxxxx did not comply with your request to provide a signed consumer agreement or contract that would help to establish that this debt is, in fact, mine. Although the address listed is a previous address of mine, you should be advised that I relocated to Atlanta, GA in September of 2007. It is possible that due to some error, incorrect charges to my account my have occurred and the balance you seek to collect is inaccurate.

Your reply also failed to provide any proof that CBSI is indeed authorized to collect this debt on behalf of the original creditor.

Because the information does not in any way prove that this debt is accurate, valid or mine, I must request that this collection account be deleted from my credit reports with all three of the major credit reporting agencies (Equifax, Experian and TransUnion) immediately, and that written confirmation of such mailed to me. As I am sure you are well aware, reporting inaccurate or invalidated information to a credit reporting agency is a violation of the Fair Credit Reporting Act.

I thank you for your prompt attention to this important matter.

Best Regards,


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