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Question about DV Letter

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fantoos1999



Joined: 16 Jun 2010
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Posts: 23



579 Magic Points

Subject: Question about DV Letter
 
Posted on Sun Jun 20, 2010 5:33 pm  

My report shows an old charge off with a new Delinquency dated 4/2010. I never made a single payment on that account since 9/1994 or when the credit was issued.

Account Name ABCD INC.
Account Number XXXXXX
Date Opened 09/1994
Balance $$$
Date Reported 04/2010
Past Due
Account Status CHARGE-OFF
Credit Limit $$$$
Account Owner: Individual Account.
High Credit: $$$$
Type of Account : Installment
Term Duration: 10 Months Terms :
Date of Last Payment: None
Actual Payment Amount:
Scheduled Payment Amount: $200
Date of Last Activity: N/A
Date Major Delinquency First Reported: 04/2010
Months Reviewed: N/A
Charge Off Amount:
Deferred Payment Start Date:
Date Closed:
Type of Loan: Charge Account
Date of First Delinquency: 11/2007
Comments: Charged off account,


ABCD INC is the OC on that. I don't see CA name listed on any report. Only Transunion is reporting an additonal piece of information, a phone number and that belongs to Vengroff, Williams & Associates, Inc. (possible CA on this).


Can some one please advice:

* DV goes to OC or CA?? (No CA is listed just phone number)

* Do I need to wait to get validation reponse from CA/OC or I can send dispute to CRAs?
Aaron

Aaron

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Subject: debt validation
 
Posted on Mon Jun 21, 2010 11:52 am  

Hi fantoos,

You can find out if it's a collection agency by calling up using the phone number. As for the debt validation letter, you can send that to the collection agency. Validation works only with the CA, and not the OC.

If you send the debt validation letters through certified mail, requesting a return receipt, you can immediately send dispute letters to credit bureaus only after receiving the return receipts.

Thanks,

Aaron
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vfsalinas05



Joined: 24 Jun 2010
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Subject: dv letters?
 
Posted on Thu Jul 01, 2010 3:08 am  

can DV letters be sent to credit bureaus? i am trying to get paid medical bills removed from my accound and I was wondering if I could send dispute letters to bureaus..
cinnamngrl



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Posted on Thu Jul 01, 2010 10:24 am  

fantaloos, what state do you live in? are you looking at a paper copy of your report? I think we have discussed this case before.

Please send ABCD a DV letter immediately by CMRRR. Specifically ask for records of last activity on this account by any alleged debtor.

File a complaint with the AG of your state. Report that ABCD is reporting fraudulent records to the Credit Bureaus.

vsf, a DV letter is sent to a collection agency within 30 days if first contact. it would not apply to your situation
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Aaron

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Subject: reply
 
Posted on Thu Jul 01, 2010 12:33 pm  

Hi vfsalinas,

Debt validation letters are sent only to the collection agencies. When you are unsure about a debt, you can send debt validation letters. If the collection agency fails to validate the debt, they are supposed to stop the collection process.

Thanks,

Aaron
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Boxinabag



Joined: 30 Dec 2009
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Posted on Thu Jul 01, 2010 7:25 pm  

I am going to do my first helping post Very Happy

OK, listen to cinnamngrl and aaron, they both are very knowledgeable.

If I may add something though, once you send the DV letter they are required to respond proving the debt and in the mean time they can not report or attempt to collect, keep an eye on this for it is a violation to the FDCPA. Also, the state is important for a few reasons (from what I have learned), different states have different laws, for example, my state, Texas, has a law that REQUIRES validation in 30 days or the debt is invalid and frivolous. Other states may not have this law, federal law does not require validation in a specific time. Be sure to report to your Attorney General as well. The other thing that is good about validation is, if they are trying to collect a debt from 1997 (and just changing some numbers to make it seem as if it is from 2007) than the SOL may have expired and it is a zombie debt and is illegal to collect.

Did I get that right Aaron and Cinnamngrl? lol
cinnamngrl



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Posted on Thu Jul 01, 2010 11:11 pm  

thank you boxie

So collecting zombie debt is not illegal. but the way this is being reported is illegal.
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Boxinabag



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Posted on Fri Jul 02, 2010 2:44 am  

ah i c, I will have to do some more research on zombie debt than Smile
vfsalinas05



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999 Magic Points

Subject: dv letters
 
Posted on Sat Jul 03, 2010 12:41 am  

I am trying to get old medical bills that were paid off but went to collections..I live in NM some say charge off paid...
cinnamngrl



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6413 Magic Points

 
Posted on Sat Jul 03, 2010 12:11 pm  

write a letter of dispute directly to the collection agency listed on your credit report.
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fantoos1999



Joined: 16 Jun 2010
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Posts: 23



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Posted on Sun Jul 04, 2010 7:44 pm  

Thank you for all the help. I'm sending the DV letter to CA and will keep you posted.

Thanks everyone
vfsalinas05



Joined: 24 Jun 2010
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999 Magic Points

Subject: good luck
 
Posted on Mon Jul 05, 2010 1:45 am  

Good luck on your letters...I have yet to send mine in..I am looking at goodwill letters to get my old collection bills removed from my credit report....Happy 4th..
fantoos1999



Joined: 16 Jun 2010
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Posts: 23



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Posted on Fri Jul 09, 2010 3:25 am  

Sorry Cinnamngrl, I missed your previous post, here are the answers to your questions;
I'm looking at the paper report.
I live in Texas now but lived in California before OC was from California and by seraching the phone number(only piece of info about CA on my credit report) CA is also from California.

Today I received my CA dv letter's return receipt, can I send dispute to CRAs now or wait 30 days to see if I get response from CA??

The Dispute to CRA has to be CMRRR or just certified??

Also if I need to file a complaint to AG about reporting fraudulent record, that would be Texas(my current state) or California (OC and CA state)??
Aaron

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Subject: reply
 
Posted on Fri Jul 16, 2010 7:00 am  

Hi,

I have answered to your query at http://www.creditmagic.org/debt-validation/dispute.html#49104 . Hope that this helps.

As for
Quote:
The Dispute to CRA has to be CMRRR or just certified??
Yes, you can send the dispute letters CMRRR.

Quote:
Also if I need to file a complaint to AG about reporting fraudulent record, that would be Texas(my current state) or California (OC and CA state)??
You will have to file complaint with the Attorney General (AG) of the state where the debt was incurred.

Thanks,

Aaron
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fantoos1999



Joined: 16 Jun 2010
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Posted on Sat Jul 17, 2010 5:09 pm  

This forum is blessings to us. Really appreciate your answer Aaron

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