I dv'd Collection Service, they signed for it 6/18 (Have the green card). I hadn't had previous correspondence from them but they're listed twice on EQ for the same account, and once on the other two...
(The bill/note notes that this account is for a Visa that shows as pays as agreed $0 closed acct from OC - though closed by credit grantor was past due) I get the following in the mail today:
It is in the form of a bill at the top
Collection Service re: OC for Visa acct and client numbers
Total $360 (not the exact figures it represents but close enough to get the idea)
So you can tear off the top and send it in their little return envelope that they so nicely included
Under that it says this verbatim:
This letter is from a collection agency.
We have received your dispute letter. A copy has been forwarded to our client. If this account has been reported to the credit reporting agencies, it will be updated as a disputed collection item in accordance with the Fair Credit Reporting Act.
DBA Collection Service
(I changed the name a bit, but the rest of it is exact)
then at the bottom fold it again has their address, my name, visa, and amount $360.
No mini miranda, no "this is an attempt to collect a debt" blah etc. I haven't received notices from them before that I know of, but even if I had doesn't it have to say any info will be used for that purpose, and is it normal for them to send the above note included ON their apparent Bill?! And the interest after collection - Just what IS it with these places and charging interest on collection accounts, yeesh.
Anyways, any thoughts?