Should I write validation letter? AFNI Verizon debt. What's the consensus on necessity of a validation letter for this particular case (recent AFNI verizon bs) I've seen at least one post from a senior member who thinks AFNI is just fishing and will not report to bureaus. I have complained to BBB and AG. UPDATE It's actually a new alleged debt for Verizon (about $50) (I confused with an older AFNI item). I did have this account 7 years ago
Are you certain this is exactly the same debt? I mean are the account numbers identical (from the CA). It's possible the debt was sold (and sold again) and is now back. If it is exactly the same, then I would contact the CRAs and find out why you were not notified of reinsertion...and dispute again. The damages question is iffy...what have you suffered from this new tradeline? Have you been turned down for any credit app?
I did not see on the CRAs. I did not check in a while. I just got a letter from AFNI. It's the same debt though the original company has changed names. By damages, I meant, did they break any laws, federal or California by reaging, sending a letter even though more than 7 years old, etc.
for chitz and giggles check out what's been written about AFNI on www dot buddhibbs dot com under either agencies to watch or worst agencies.
I see there is a bunch of similar cases. I wonder if I need to respond at all. I already disputed and requested validation 3 years ago. Would I write a new validation letter or refer to the original request. i.e. since they never sent validation 3 years ago and it was removed from CA.
DH got a dunning letter from AFNI earlier this year to which I sent the standard VOD letter. They sent a computer print out in response and I dropped the ball and never responded to that. The printout says right on it 8/98 for billing period on a Verizon phone ("validated" in '07, big @@ there). We can pull our yearly reports next month so we'll see if it's been re-aged, re-inserted etc. We bought our first house which is what I'm guessing brought the dregs out of the woodwork.
I just had a similar thing happen to me - I posted in the thread I started about something fishy. I didn't mention AFNI, but that's who it was that just added a derog this week for Verizon and I don't even recognize it. IF it's mine at all (and I don't know that it is is) it's very, very old. I need to know how to handle that and a few other accounts. i want to dispute ASAP, but I need to know the best way. Not mine, SOL, or something else. I also stated in my thrad about getting a mortgage pre-approval (I never did buy a house though), and I also wondered if that's why this came out. Seems like this is a common problem. I hope we both get some good advise!
consensus on Validation letter what's the consensus on validation letter. Is it needed or not? SOL expired 3 years ago in california.
ALWAYS write a DV request letter upon receipt of "notification letter" from a collection agency. This prevents reporting to the credit reporting agencies (or at least a legal defense if they do). You may want to add that the SOL is expired for legal collection remedies, and that you would exercise this defense if taken to court.
I've seen at least one post from a senior member who thinks AFNI is just fishing and will not report to bureaus.
All the more reason to follow the process, and write another letter. You cannot give up your legal rights just because the other party "seems" to be one thing or another. This is an example of needing to read the Federal Acts, and understanding what you need to do, whether it makes sense or not. The FDCPA and the FCRA are pretty clear on what all parties are required to do; consumers need to complete their required acts to maintain their protection under the acts. The best advice: follow the process....
