I am a little confused. There is all this talk about doing a validation and then an estopple letter. This may be a dumb question but what is an estopple letter. Is it where you didn't get validation so you tell the CRA to take it off?
The estoppel letter references a legal doctrine termed "estoppel by silence." In this context, it basically informs the creditor that "silence" is neither a defense nor protection against providing you the validation you lawfully requested. You further assert that since they failed to validate the debt by providing the information you lawfully requested, they must cease all collection efforts immediately and remove any derogatory tradeline notations submitted to the credit reporting agencies. In a nutshell, you said, "Hey, prove I owe you this money." They responded with silence or inadequately (which is another form of silence), and now you're saying, "Hey, you didn't prove I owe you the money, so you can't continue pretending that I do." Hope this clarifies rather than obfuscates. Doc
