What is the correct procedure to deal with a CA that is not on my credit report? CA called 1/8/04 with 1st contact. OC sent bill last week for $212.00. CA called yesterday (bad attitude of course) and said that balance due is $572.00. I called back later (caller I.D.) and asked for the physical address. Do I send a validation letter to CA? Requesting something in writing? What do I do? They have not sent me anything in writing.
They have 5 days from that first contact to send you something in writing. If I were you, since they are off to a bad start, go ahead and send validation...head them off at the pass before they put it on your cr.
