I am confused, I have read here that validation letters are to be send to collection agencies only, what about the original creditor? I have some fairly old credit card accounts that were included in bankruptcy that keep getting verified, so I sent some validation letters certified to them, should I not have done that? I have a whole bunch of them saved and ready to go, I just would like to know if I can do that.
I believe that unless they are actively collecting on the debt the FDCPA doesn't apply. Someone else can verify this. I have 2 pd chgoffs with the original creditors. I modified the validation letter, even though it didn't really apply to them and sent. I thought I might sneak one by them. They both responded with fraud forms to fill out. So I left them alone and went back to disputing them. You never know, you might get lucky. I just keep disputing them with CRAs. I've got both off of TU, one off of EX, both are still on EQ, awaiting CHOD results on this one.
All I basically said my my letters was that they were reporting erroneous information to the credit bureaus, I did not say what, and that I expected this false information to be deleted or I would like a document with my signature showing that this debt was mine and was being reported correctly. Was I wrong? Would this even work on bankruptcy accounts?
Not sure on this one Sam. I don't think the letters should hurt, these accounts are already included in BK so it's not like they could try and collect. Maybe it'll work. I had the one chgoff creditor try and get even by re-aging my account. But since that's a violation of the FCRA, they did me a favor. I'm awaiting their response to their illegal action
