what to do w/ asset acceptance?

[needsomehelp]

I DV Asset Acceptance on november 19th, 2007. they responded with their own generated letter specifying the principal, interest, and balanced owed, however no proof that the debt is actually mine. since then they have continued to update with the CRA and i have received 2 letters. Today i am fixing to send this letter ... please let me know what u think?

The account referred above was disputed in it's entirety on November 19, 2007. You were instructed to provide me with all documentation that validates any claim you were collecting a debt from me.

This validation had to include: Copies of any contract that contained my signature, a copy of all statements with a list of all charges, an explanation of late charges and fees, a complete breakdown of all interest rates assessed, late or, over limit fees.

The name and address of the original creditor, subsequent owner / holder or services of this account.

Important: On December 12, 2007 I received a letter with an incomplete validation, although the principle, interest and final balances are listed there is no proof that this debt is mine.

FURTHERMORE: I demanded that you ceased all collection activity until such time as you have complied FULLY with all provisions of this dispute directed by state and federal law.

Under no circumstances I was to receive collection calls or letters, since you didn’t follow instructions. You are in violation of the FDCPA section 809, since you continue to update with the CRA and writing me letters.

Notice: You have an additional 7 days to provide all information. If you don’t have this information I expect all trade lines to be deleted from all credit reporting agencies

Legal Notice: This is an attempt to obtain compliance of debt, failure to do so will result in further remedies permitted by law.

Edit/Delete Message

[Robert Nashville/Savannah]

While I’d say that they haven’t validated (if they’ve only given you their own internal “claim” that you owe the money); understand that they do no have to provide copies of contracts, etc. to be in compliance with the FDCPA.

So, I would continue your course (but don’t expect to get all the things you are asking for) and I’d hammer on them that their internally generated claim that you owe the debt does not satisfy the FDCPA and that they must cease collection action (assuming your initial DV was timely) until they have met that standard.

Concurrent with that, I would also make it clear then YOU still need the information/documentation you are requesting beyond mere validation.

[Recovering Attorney]

Remember that DV is meant to tell the CA why you have a beef. You do nothing to help yourself by arguing that they haven't proved to your satisfaction that you owe this debt. If you want to be taken seriously, tell them why you dispute: not yours, old account long ago paid, wrong amount, wrong person, etc., whatever it happens to be