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Score me a win

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Just wanted to share a win with you all.

Cliff Notes version -

Found a collection on my CR. Company was a JDB listed as Security Credit Services. They had the account since sometime in 2009 and had never contacted me. So I contacted them and got some information and asked for verification of the debt. That was before I found these forums about 2 mos ago.

Started searching and found these forums and sent a DV letter just to make sure everything was documented. Then I read and read and read more and realized that I probably should have just sent them a FOAD letter as we were beyond the SOL (they said OC reported the account as in default back in Jan 2007).

While waiting for their DV response, I was contacted by a law firm who was hired to collect the debt. This CA pulled a hard inquiry on my credit, then sent the dunning letter on their law firm letterhead.

Armed with information I gathered from here, I sent the CA a FOAD letter telling them to cease and desist, that the alleged debt was beyond the SOL, and oh by the way you have two infractions that I intend to sue over and do you want to settle out of court for those infractions? I have yet to get a response from them.

Along with that, I send a FOAD letter to the JDB telling them that the alleged debt was beyond the SOL, and oh by the way you have 2 infractions that I intend to sue over, and do you wish to settle out of court or do I need to proceed with the lawsuit.

I received a letter from the JDB on Saturday -

"Our records show the above referenced account has been closed. Requests have been submitted to have the records removed from Equifax, TransUnion and Experian. Please let us know if we can be of any further assistance with this matter."


Score a win against a JDB.

I find the wording interesting - "our records show..." - so when were they going to tell me it was closed?

So, now I just need to figure out if I'm going to follow through with the suing over the FDCPA violations.

And a HUGE THANK YOU to everyone who answered my questions as I was going through this.

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