Received letter and possibly DV

[sillycanoe]

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.

[BackFromTheDebt]

This is. confusing. 
Did they send validation even without you sending a DV?

[Clydesmom]

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.

 

[sillycanoe]

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

[BV80]

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?

[sillycanoe]

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.

[wernda1234]

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