Hi, I got a letter in the mail today from one of my creditors. We paid a bill with the OC and disputed it on our CR's. They sent me a letter in the mail asking for me to validate the payoff/debt? Isn't it THEIR responsibility to validate that sort of stuff?
Yes. If you reply at all, just tell them you can't validate, that's why you asked them to do as, as the law requires.
If I don't respond to them I assume they will then have 30 days to validate to the credit bureaus for my dispute I have open? I prefer to not give them any additional info - and I still have yet to receive the statement from the OC that the debt was paid to them in the mail anyway. Thanks!
That sounds like a plan. You are under no obligation to provide them anything. THEY are supposed to provide you validation, and if they can't, they have to delete. Don't do their work for them!
Today in the mail, not even 5 days after the letter I got from Pioneer asking me to proove the debt for them, I get a TU CR stating that the debt was validated? How? What can I do other than wait till I get the paid statement from the OC and send that to TU for deletion?
It was made recently to the OC because its a cell phone account, and the account is going to be renewed. I expect it to drop off on its own once the OC sends a delete to Pioneer, but the rep I spoke with on the phone said that can take some time, and if I wanted to, directly dispute off the CR. should I just wait 30 days and see if it drops on its own, wait till I get proof of payment and sent to TU, or DV Pioneer? I just want it off my report asap for a recon for a CC.... All I have currently as proof is a CC statement to the OC, waiting on the letter to come in the mail.
They aren't, and never have to my knowledge It's possible they were there before I started pulling my reports last year, but I would have expected them to still be there since it's definatley not been 7 years. It's for Sprint PCS. Called them directly and paid so I can get another account with them.
