Sent Val Ltr, now they're req. info

Discussion in 'Credit Talk' started by rabbit1, Nov 18, 2002.

  1. rabbit1

    rabbit1 Member

    I sent the validation letter to a creditor and they are asking me to assist them in resolving the matter. They are asking me to outline my dispute (which I thought was clear in the initial letter) and/or any proof I may have to support my claim. Isn't the burden of proof on them? I believe I may have them because the name they have listed on the letter is NOT me and also the Original Account they have is Discover and I have never had a Discover Card. Any thoughts?
     
  2. Nave

    Nave Well-Known Member

    Tell them under the law if they can not validate they must delete the listing and cease ALL collection activity IMMEDIATELY...and WITHOUT any further assistance from you.

    -Peace, Dave
     
  3. LKH

    LKH Well-Known Member

    When you say creditor, do you mean the original creditor or a collection agency?
     
  4. rabbit1

    rabbit1 Member

    The collection agency is requesting additional information.
     
  5. breeze

    breeze Well-Known Member

    Sounds like it really isn't yours. Or they are totally screwed up. Don't send them anything no matter how nicely they ask you to "assist" them. Was your validation letter in response to a collection letter only, or have they put this on your reports?
     
  6. edoggie

    edoggie Well-Known Member

    I've just been through this... "Sir I need your help in resolving this matter."

    "You had 30 days to get your act together I'm not helping you with anything!"

    I issued a few more threats and the deletion was faxed to me by 12 noon the next day. Don't help them with anything. Would you pull the trigger for a gunmen who is pointing it at you ?

    If you indeed LEGALLY owe this debt then they should have proof on file of it. If not... bye bye trade line.
     
  7. rabbit1

    rabbit1 Member

    They have placed this on my reports.
     
  8. lbrown59

    lbrown59 Well-Known Member

    Tell them you don't have it that's why you are asking them for it !
     
  9. cable666

    cable666 Well-Known Member

    Oh yes... the old "Prove A Negative" method. Don't you just love it?
     

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