sillycanoe Posted February 15, 2022 Report Share Posted February 15, 2022 I recently received a letter of collection giving me a 30 day window to dispute. I have been reading up on here about the DV letter. I just received another letter from the debt collector stating that I was disputing the debt and or have requested them to send me substantiation. It goes on to say that I can send written instructions to their office address listed above requesting substantiation however for my convenience they and simply decided to send it to me. The only thing included with this is one single CC statement. Is that considered validation? Collector is Kinum, Inc, client is Fairway acquisitions Fund, LLC and original CC was with Banco Popular de Puerto Rico. I am kind of confused here. I dont think this is a JDB. Quote Link to comment Share on other sites More sharing options...
BackFromTheDebt Posted February 15, 2022 Report Share Posted February 15, 2022 This is. confusing. Did they send validation even without you sending a DV? Quote Link to comment Share on other sites More sharing options...
Clydesmom Posted February 15, 2022 Report Share Posted February 15, 2022 12 hours ago, sillycanoe said: The only thing included with this is one single CC statement. Is that considered validation? As far as the FDCPA is concerned yes, that would satisfy validation. Sending it ahead of any dispute you sent doesn't waive your 30 day rights though. What I would do is send letter indicating that I had received both letters and that I still dispute this debt and it's validity. It does NOT and should NOT demand all sorts of proof. In other words do NOT use a cut and paste letter found on the internet. The dispute letter does not need to be long and descriptive just direct and to the point. Then see what they send you. 1 Quote Link to comment Share on other sites More sharing options...
sillycanoe Posted February 16, 2022 Author Report Share Posted February 16, 2022 On 2/15/2022 at 5:26 AM, BackFromTheDebt said: This is. confusing. Did they send validation even without you sending a DV? I think so. Its just a single statement Quote Link to comment Share on other sites More sharing options...
BV80 Posted February 17, 2022 Report Share Posted February 17, 2022 17 minutes ago, sillycanoe said: I think so. Its just a single statement Does the balance on the statement show the same balance as is being demanded in the collection letter? Quote Link to comment Share on other sites More sharing options...
sillycanoe Posted February 17, 2022 Author Report Share Posted February 17, 2022 1 hour ago, BV80 said: Does the balance on the statement show the same balance as is being demanded in the collection letter? Yes, same balance but I do not know who their "Client" is, Fairway Acquisitions Fund, LLC The Original is out of Puerto Rico. Quote Link to comment Share on other sites More sharing options...
wernda1234 Posted February 17, 2022 Report Share Posted February 17, 2022 On 2/15/2022 at 10:01 AM, Clydesmom said: As far as the FDCPA is concerned yes, that would satisfy validation. Sending it ahead of any dispute you sent doesn't waive your 30 day rights though. What I would do is send letter indicating that I had received both letters and that I still dispute this debt and it's validity. It does NOT and should NOT demand all sorts of proof. In other words do NOT use a cut and paste letter found on the internet. The dispute letter does not need to be long and descriptive just direct and to the point. Then see what they send you. @Clydesmomhas given you all you need to dispute the account Quote Link to comment Share on other sites More sharing options...
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