In response to this item on my report, SOBGroup SOB ASSIG-54387XXXX INDIVIDUAL ACCOUNT 03/1997 Open 120+ DAYS PAST DUE $962 $2816 $2816 01/2001 Prior Paying History COLLECTION ACCOUNT (I've changed the names and numbers) I sent a validation letter, to SOB Group. They responded with a letter stating that: "We are in receipt of your correspondence dated January 11, 2002. Please be advised that SOB Bureaucracies, Inc. is no longer handling the AFFOREMENTIONED account." The part that worries me, is the "afforementioned" part. They never responded with any reference to the account number of the item in question that appears on my credit report. My opinion is that: If their name appears next to any item on my credit report, THEY are responsible for sending validation. They cannot pass the validation responsibility on to somewhere else, can they? Should I just send a copy of this letter stating that they are not "handling the aforementioned account" on to the CRA along with my original letter?
I've gotten that. In my experience it means that the CA has returned the debt to the original creditor, or has sold the debt to someone else. Bottom line is it shows that they (the SOB CA) should NOT verify when requested by the CRA. Result, it should be deleted on the next dispute. If the CRA responds that they received validation after your next dispute, you got SOMEONE for violations, because either the CRA is lying and verified erroneously, or the CA is lying and verified the debt that they just told you they were no longer handling. I think the words "aforementioned account" are acceptable if they are responding to your request...after all they supposedly do not handle the account, they should not have the account numbers on active files. Dispute it! Good news for you. Way 2 Go. -Peace, Dave
