diem
Joined: 20 Feb 2008
Posts: 82
170 Magic Points
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 Posted: Fri Feb 22, 2008 3:46 pm Post subject: |
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Please read this Charlotte:
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When I was repairing my credit, this was the most beneficial thing to me. I had a couple verify with the CRAs that the information was correct (one being Afni) without ever responding to my request for validation. I sent Afni a firm intent to sue letter demanding deletion by a date or further action would be taken. It was removed. I also emailed their legal staff from addresses I found online.
The CA has 30 days to properly validate. Disputes with CRAs generally last 30 days as long as you dont call in with new information. They can then add another 15 days stating you have added new information, even if you haven't. Better not to contact them during disputes.
Thing is, for relatively old CAs or collections that have been passed on to Junk Debt buyers, they can't provide proper validation. One of their tricky techniques is to say they sent you a letter that you didnt respond to. That doesn't matter. They may send you a letter asking for more information such as ssn# etc, but as long as you provide the account # they are just stalling. Ignore it. 30 days have passed, you can assume the debt is not valid.
If they verify with the CRAs and don't validate, it's time for the ITS. A firm ITS. It's gonna be deleted or they are paying you $1,000. |
Start by sending the below letter certified mail with return receipt with the correct information:
Your Name
Your Address
Name of CA
Address of CA
Date:
Re: Your Account No:
Dear Sir/Madam,
I checked a copy of my credit report and realized that there was a collection reported from your agency on my credit report, which I was not notified about. I do not reject to provide with the debt amount. However this a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and a validation is demanded. This is asking for proof regarding the debt that I owe and verifying it.
I am requesting you to stop all collection activities including reporting this information on my credit report. I am sure that you are aware of the fact that non-compliance with this request will end up in legal obligations.
Please dispatch copies of the following with your reply:
1. The agreement which authorizes you to collect debt on the assumed debt.
2. The signed agreement from the debtor confirming to pay the debt
3. The documents regarding the payments made on this account and validation of the amount.
With regards,
Your Signature
Your Name
Then immediately dispute it with the credit reporting agencies. Just paying a collection without them properly validating is not in your best interest, even if you do owe it. At the very least, you need to try a pay for delete letter if you feel morally responsible. |
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