I love this forum, I have been spending so much time learning from it - it's amazing. I wanted to figure this out without having to post, but alas I am still not completely sure what to do.
<major CA> has contacted me looking for immediate collection of a credit card debt that is years old and I don't remember ever having. I've asked them for documentation stating that it is my debt, whether it's a signature card or even some statements showing what charges were made to see if it seemed like something I would charge. Both requests were denied with '<major CA> is in the collection business, not research business - if we have to goto the trouble of researching it we will just as soon take you to court and get the full amount vs a 60% settlement"
I was going to fax & cert mail a letter with validation request and limited cease & desist, but wanted to make sure with you that I was doing the right thing.
Pulled TU CR, here's details of this debt:
OC: <major CC company>
Opened Sept 1997
Date Reported: 01/01/2003
Limit $500 Balance $1659
Status: Chargeoff as bad debt, profit and loss writeoff
CA: <major collection agency>
Date opened 3/2004
Date reported: 04/2004
Original Balance: $1659
Would it be best to fax/certmail my contact the validation request and limited cease and desist? Anything else you would put in or do?