Response from DV Letter.

[dpbJupiter38]

Hi everybody,

I just got a letter from a CA regarding my DV letter that I sent out registered mail. Very interesting. I think I might have one this dispute. Any comments?

Letter from MCM (CA) dated 12/25/07

"The purpose of this letter is to request your assistance so that we may reach a quick resolution to your dispute.

We are attempting to verify your dispute and it would be helpful to have a copy of any documentation you may have that substantiates your dispute. In the interim, we have requested that the three major consumer credit reporting agencies change the status of this account to "Disputed".

Please mail or fax cancelled checks, paid letters, police reports to: (xxx-xxx-xxxx)....etc"

So I believe they have 30 days to verify the debt. If they don't verify, what's my next move.

Thanks inadvance,

dpbJupiter38

[Recovering Attorney]

No, they don't have to take 30 days. They can do nothing, they can close the account, they can send it back. What you really want to see is if they manke good on the promise to have the item marked "disputed" on your CR. Wait 45 days and check. If they haven't, you may have them on a violation, if you think it is worth pursuing.

Likely they will send you another letter saying they never heardfrom you and so they are recommencing collection acctivities since you ignored their counter request.

Be specifiic in your denial.

[myscoresawful]

I've seen this used as a stall tactic by some CAs.

What did you claim as a dispute in your letter? That it wasn't yours or that the balance is not correct, or what?

If you disputed it as not being yours, and then you send them receipts of anything, they will then have proof they need that it is yours.

Is this being reported on your credit report yet? Is that why you sent them a DV letter?

Did you send your DV letter within 30 days of initial contact with them? (this is important, because if you did, then they can't report to the CRA until they verify, if it was not within the 30 days, then they can start/keep reporting and not bother verifying.

[dpbJupiter38]

I'm doing damage control on my CR because I want to purchase a condo this New Year. I saw it on my CR. I am not aware of the debt. It's for a VISA card which I've never had and I don't see the OC reporting any collections or charge offs either. I wanted to verify before I disputed with CRA's. It's only been about a week or two since my letter.

[brokeinok]

You need to DV and dispute with the CRA's at the same time.... I usually send the DV letter and once they have signed for it, then I file the dispute with the CRA about a week later.

[stefdr]

Hi everybody,

I just got a letter from a CA regarding my DV letter that I sent out registered mail. Very interesting. I think I might have one this dispute. Any comments?

Letter from MCM (CA) dated 12/25/07

"The purpose of this letter is to request your assistance so that we may reach a quick resolution to your dispute.

We are attempting to verify your dispute and it would be helpful to have a copy of any documentation you may have that substantiates your dispute. In the interim, we have requested that the three major consumer credit reporting agencies change the status of this account to "Disputed".

Please mail or fax cancelled checks, paid letters, police reports to: (xxx-xxx-xxxx)....etc"

So I believe they have 30 days to verify the debt. If they don't verify, what's my next move.

Thanks inadvance,

dpbJupiter38

Their letter translated: We don't have anything to validate this debt is yours, so please be an idiot and prove it for us.

Even if the acount were yours, send them absolutly nothing. The burden of proof is on them to prove it is yours, not on you to prove it is not.

[dpbJupiter38]

Thanks for the info Stefdr. That is how I read the letter too. I'm not going to send the CA a freaken thing because I don't have anything to send them. My question is: HOW DO I GET THIS OFF MY CR? Do I wait about a month and then dispute with CRA's again?

Thanks again,

dpbJupiter38