Received three statements from a CA regarding a cc debt. They have not provided me with proper validation, I know this much. The original debt was for $685. They are asking for $1000. I know for a fact that they only bought this account in July. How could they have accrued that much interest. BTW, this is past SOL and I have disputed it off my reports, but I'm afraid they'll try to reinsert. Ahhhh! What other validation would you ask for?
I'm in a similar situation. I got 2 statements last week. I want to see what others say--but don't they have to send you something with a signature? Which, in my case, should be difficult since it's a utility. Are you sending them the estoppel this week? I haven't had to do this yet, it's my first round of validation letters for hubbys reports. Good luck to you!
Thanks for the responses. The big thing here is that I have disputed them off Equifax and Experian. Currently waiting for the TU report. If they verfiy with TU, then I'm going to send them a very nasty letter. I sent them a validation letter on May 31 after noticing them on my report. After no response I sent my second notice telling them they are violating my rights and to delete. Now, it's September and I finally get a response? I don't think so!!! If and when I send my letter I am going to state that they need to show me how they are calculating this debt. I know for a fact the oc sold it way back in Feb 2002 for probably pennies on the dollar. Any more advice on what I should put in the letter?
