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Follow up to first DV letter, help needed (LVNV/Resurgent)


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I sent a DV letter to Resurgent and got the following information back:

Account #

Whom the debt was acquired from (Household)

Whom it now belongs to (LVNV)

Amount of balance

Does this constitute a proper validation on their part? What is the best way to follow up?

(I have the example docs from my phone consultation with CIC but was unable to find the correct letter to address this situation).

As always, thanks for your help and patience!

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  • 4 weeks later...

Validation letter

http://www.creditinfocenter.com/forms/sampleletter9.shtml

You might want to read what the FDCPA requires for validation (Section 809)

http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf

§ 809. Validation of debts

(a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing—

(1) the amount of the debt;

(2) the name of the creditor to whom the debt is owed;

(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;

(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and

(5) a statement that, upon the consumer’s written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

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