I RECEIVE CR & NOTICE COLLECTION ACCOUNT. I CALL CA TO GET FAX AND ADDRESS FOR CORRESPONDANCE (SEND VALIDATION LETTER). THEY WOULD NOT REMIT INFO. HOWEVER, THEY SEND ME A COLLECTION LETTER (VERY FIRST ONE I'VE RECEIVED, EVER), DATED THE SAME DAY AS THE PHONE CALL. THEY WERE TOLD THAT I HAVE NEVER RECEIVED ANY CORRESPONDANCE FROM THEM, THAT I FOUND OUT ABOUT THIS ACCOUNT FROM MY RECENT CR. NOTE: ON THE CR THE DATES ARE 4/96 AS DATE OPENED AND 5/96 AS DATE OF LAST ACTIVITY INCLUDED WAS A NOTATION: CUSTOMER UNABLE TO LOCATE CONSUMER. THIS LETTER THAT I JUST RECEIVED DID "NOT" STATE WHO THE ORIGINAL CREDITOR WAS, THAT I HAD 30 DAYS TO DISPUTE, BLAH, BLAH, BLAH. VIOLATION? IF SO, IS IT A VIOLATION FOR EACH STATEMENT THAT THEY LEFT OUT? OR IS THE LETTER CONSIDERED "ONE " VIOLATION, OR. . .?
Yes, the first letter the CA sends you must include the OC's name, otherwise couldn't we all just send out letters demanding money? The first letter also needs to contain the "mini-miranda" which is the line about contacting them requesting validation...etc...etc... I'm unsure as to whether leaving out each statement is a violation per statement, or if the letter itself is considered one violation. Either way, you've got 'em.
