Thread: Verification Information

If you send a letter to a credit card company asking for written proof that an account being reported to the credit bureaus is yours...by law do they have to give you that proof? If after you have sent a letter and they don't respond-- what next? Also should all letters be sent certified mail? thanks!

If you send a letter to a credit card company asking for written proof that an account being reported to the credit bureaus is yours...by law do they have to give you that proof?

Under FDCPA there is nothing you can do about it if they don't. I suppose that if you wanted the information badly enough and they refused to give it you could file motion for declatory judgment or something. But I serious doubt anyone would want to do that in anything but a rare situation.

If after you have sent a letter and they don't respond-- what next?

I suppose it depends on how badly you want to beat a dead horse. And I suppose that depends on what your purpose is.

Also should all letters be sent certified mail? thanks!

Always. That's what I think.