Sorry for the multiple posts...just rememberd today's mail! So i had sent a letter re: prove it's mine..and i got in return, a screen shot of a computer. no writing. no signatures. computer screen shot. AND best of all. not even my address EVER. is that legit? they only have to send me a piddly screen shot?
Sorry--clarification Sorry... I meant to say...what stands for 'verification'? Does the screen shot mean anything? Does anyone have any advice?
As far as I know, no court has actually ruled on what counts as validation. And the statute is quite vague. If the screenshot shows the name of the original creditor, their contact information, and the balance, then it probably counts. You could argue in court that it doesn't, but you would be breaking new legal ground.
According to the FDCPA, a debt collector can't continue collection after a request for verification: So, if the screen shot has the name and address of the OC, then that counts as verification.
Verification You might try going to the original creditor and not asking for verification or validation, but an investigation of the account. OC's are not required to verify, but are under the FCRA, required to investigate.
