I sent a letter for validation a month ago and got no response. I sent another letter stating that I would be seeking damages for them not responding and not updating the CRA with a notification of dispute. Then they finally sent me a what they said was an "itemized copy" of two accounts that have been placed with them for collection. One is a printout of a hospital bill and the other is from a doctor. Both of them have "Guarantor Profile" at the top so that tells me this is not a paper from the original creditors. Secondly they sent me a copy of a "universal data form" in which they stated that the account is under dispute and he said that this was mailed out to all the CRA's. However the date on them is 2/11/04. That is almost ONE month later than the date that they received my initial request for validation. So, am I right in saying that they still have committed FDCPA violations by mailing out that letter almost a month later? They only mailed it because I sent them the threatening letter about damages. Also, is that printout validation enough? They say it is.
oH YEAH plenty of times. I will be posting an excerpt from one of the "validation letters" that they sent back so that you can judge if it is or not.
Well, I cant' get the darn thing to work right so that I can copy/paste. I will say that it has nothing on it that makes it to look like it comes from the original creditor..no OC letterhead or anything like that. This is a medical bill. No signature or nothing like that..just a printout of this client for the CA with charges for work done on my wife, history of payments and a balance owed.