Thread: "We are closing our file"???

I sent a DV letter to A CA for a very old out of SOL cell phone bill and received a letter back with the verbage
"IN RESPONSE TO YOUR RECENT COMMUNICATION, PLEASE BE ADVISED THAT WE HAVE NOTED YOUR DISPUTE REAGRDING THIS MATTER IN OUR RECORDS. ACCORDINGLY, WE ARE CLOSING OUR FILE AND WILL RETURN THIS ACCOUNT TO THE CREDITOR, REFERENCED ABOVE. ANY QUESTIONS REGARDING YOUR CREDIT REPORT SHOULD BE ADDRESSED TO THE CREDITOR, REFERENCED ABOVE, AS WE DO NOT REPORT TO THE CREDIT BUREAUS IN ANY FORM OR FASHION"

Is it over? Can I now send a copy of this letter to the CRAs and get this crap removed? Can they RE-SELL this debt?
I live in NJ - SOL is 6 years (3 years if you are crafty and brave enough to use WhyChats SOL timelilne)

Thanks :)

Originally Posted by Neveragain

I sent a DV letter to A CA for a very old out of SOL cell phone bill and received a letter back with the verbage
"IN RESPONSE TO YOUR RECENT COMMUNICATION, PLEASE BE ADVISED THAT WE HAVE NOTED YOUR DISPUTE REAGRDING THIS MATTER IN OUR RECORDS. ACCORDINGLY, WE ARE CLOSING OUR FILE AND WILL RETURN THIS ACCOUNT TO THE CREDITOR, REFERENCED ABOVE. ANY QUESTIONS REGARDING YOUR CREDIT REPORT SHOULD BE ADDRESSED TO THE CREDITOR, REFERENCED ABOVE, AS WE DO NOT REPORT TO THE CREDIT BUREAUS IN ANY FORM OR FASHION"

Is it over? Can I now send a copy of this letter to the CRAs and get this crap removed? Can they RE-SELL this debt?
I live in NJ - SOL is 6 years (3 years if you are crafty and brave enough to use WhyChats SOL timelilne)

Thanks :)

Yes they can and will sell the account. It has not been sold as of yet. The company contacting you is a contingency agency, ie. paid a fee for whatever they collect, they do not own the account. The OC will usually use 2 or so 2nd party agencies then sell off to a 3rd party.

Thank you for the input - how do I stop them from selling it? I've nevver had an account witht the cell phone company they represent? Aside from not being mine, this debt is out of SOL in NJ?

Originally Posted by Neveragain

Thank you for the input - how do I stop them from selling it? I've nevver had an account witht the cell phone company they represent? Aside from not being mine, this debt is out of SOL in NJ?

Is your SSN on the account? If so, you'll need to file a fraud report with the police, regardless of how old it is. Have you contact the cell company to determine what the account is/from dates? How old is the debt?

What CA is this?

Thanks Colletman and Ontrack :)
The debt
It appears on Equifax (DOLA 3/2002 - Date Maj Del 1st Rptd 2/2005) so I am assuming the true DOLA is 3/2002 - SOL in NJ is 6 years . Transunion and MyFico reports report it also - I do not see a ss# on the original letter sent from CA - CA is Mitchell N. Kay-ofcourse there is a ss# on my CR.
I called the cell phone company and they said the account was "in collection" and advised I "wait for further communication". I explained it was not mine and they told me to just respond to the CA with that information.
It seems unreasonable that it can be re-sold... should I just send a copy of the CA's letter to all 3 CRAs and demand deletion ?

Originally Posted by Neveragain

Thanks Colletman and Ontrack :)
The debt
It appears on Equifax (DOLA 3/2002 - Date Maj Del 1st Rptd 2/2005) so I am assuming the true DOLA is 3/2002 - SOL in NJ is 6 years . Transunion and MyFico reports report it also - I do not see a ss# on the original letter sent from CA - CA is Mitchell N. Kay-ofcourse there is a ss# on my CR.
I called the cell phone company and they said the account was "in collection" and advised I "wait for further communication". I explained it was not mine and they told me to just respond to the CA with that information.
It seems unreasonable that it can be re-sold... should I just send a copy of the CA's letter to all 3 CRAs and demand deletion ?

When you called the cell company did they tell you there was a ssn on file? If so, they need to verify that. If it is your ssn they have on file and you truely have never had their service you will need to file the police report to make it stop. The account is still in stats assuming your information above is correct until March 2008.

Thanks for the info - I will send them a CMRRR letter requesting the information - I cannot seem to get anywhere on the phone.

Originally Posted by Neveragain

Thanks for the info - I will send them a CMRRR letter requesting the information - I cannot seem to get anywhere on the phone.

They will not respond to a request of SSN in writing. You'll have to do it over the phone.

Collectman - why would they furnish me with a SS#? That seems odd that just anyone can call up and they would simply blurt out a SS#? I don't have a cell phone for many reasons but the biggest one is there is just too much info required that is handled by uneducated idiots so I wouldn't trust them ever to handle sensetive information belonging to me - lol
I have a Cingular call center office next to where I work and you should see the people who work there! They barely speak English and all seem to be about 20-25 years old.