CA - Cent. Fin. CNTRL. CRA's Reporting - TU & Experian Investigation going now with CRA's, sent CA Validation letter, they received 02/12. I received response (CRRR) Friday, 02/22: " Please find enclosed the itemized statement you requested on the above mentioned account". Enclosed was 2 pages of itemized things with prices, my name, address, ss#. NO SIGNATURE AT ALL!!!! That is not what I requested, where are all of the things requested from page 2 of the validation letter? What to do ? Wait till 30 days up and send "prove or remove"? Or should I send now?
You need to wait 30 days and then send the follow-up. The reason for waiting is so that you can demonstrate for a judge (if it comes to that) that you gave them every opportunity to comply with your lawful request. Even though they initially responded with inadequate validation, it's possible that they could pull through on the last day for example (although unlikely). The idea here is for you to build a paper trail that favors your demonstrated good faith attempts to seek proof of the alleged debt. Doc P.S. It sounds like the creditor did provide much information that some judges might find convincing, however. If the debt is in fact yours, and cleaning up your credit is your main goal (rather than avoiding paying back money you borrowed), then you might consider moving to a negotiation track instead.
Better make sure the CA has authority to collect.If they don't an you pay them you could wind up having to pay it again to someone else too. This is just one of the purposes of of the validation letter. I don't see where they addressed this issue in their reply letter to you:
Do you mean to see if they are licensed? Be careful because even if they are licensed that does not automatically mean they are authorized to collect the debt:
That is why the disclosure sheet is sent along the validation letter.[ QUOTE]Originally posted by msjackson Maybe I have read wrong? How do you check to see if they are authorized to collect? [/QUOTE]They never filled it out and returned it to you so you don't know,therefore they have not completely and properly validated. Re read the sheet. I would wait out the balance of the 30 days and send the estoppel letter.
