nobie19

does this qualify for DV?

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Hi I sent Midland credit management a DV request. they replied me with this a few weeks later. just application. no amount owed, nothing. is it good enough for DV? should I request again for more info? because I really not sure when was my last payment on this debt. it is not on my CR.

In CA, the SOL is 4 year correct? so if my last payment was more than 4 years. that mean they cant sue me?

thank you for your time.

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The function of sending a DV is to set a violation trap for the debt collector. To that end, what they sent would probably pass the smell test. 

What did your DV letter ask for? If all you did was "dispute" the debt, what they sent establishes that you did in fact open a Chase account. If you disputed something specific, like an amount owed or date of last payment, you can ask them to try again, but they aren't obligated to do anything more than "obtain verification", and send it to you. Which, legally they did. 

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14 minutes ago, Harry Seaward said:

The function of sending a DV is to set a violation trap for the debt collector. To that end, what they sent would probably pass the smell test. 

I have to respectfully disagree.   If the OP sent a timely DV requesting validation, what was sent to him in response does not show the amount claimed by the creditor.

At the minimum, "verification of a debt involves nothing more than the debt collector confirming in writing that the amount being demanded is what the creditor is claiming is owed."  Clark v. Capital Credit & Collection Servs., Inc., 460 F.3d 1162, 1173-74 (9th Cir. 2006).

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16 hours ago, Harry Seaward said:

That paper was the only thing in the envelope??

yes. just this paper in fedex envelope. I wasn't even sure it was from midland. but midland is the only one been sending me letter with this name. so I assume it was them....I think I might send them another letter to ask for more info?

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