Sorry for the length. Try to follow the bouncing ball May 3, 2003 get a phone call from CA_1 about a past due account. No mini-miranda, etc. Next day I FedEx DV letter. Three days after 1st call get CA_1's dunning notice. May 19, 2003 get settlement offer from CA_1, but still have not received validation. I do not respond. Never hear anything else from CA_1. I have them on a couple of violations, have not taken action on it yet. End of August 2003 get a notice from CA_2 that they have been assigned to collect a debt that DB (Debt Buyer) has purchased. Demands payment in full within 10 days. That's a no-no. Same day received the letter faxed and FedEx CA_2 DV also added their little transgression. Thirty days passes, don't hear anything, fax and CMRRR Estoppel. They receive Estoppel, a couple of days after they receive Estoppel Equifax notifies me that I have a 'collection account' place on file. Pull PG, sure enough, DB has placed on all 3 CR's. I call OC, learn from a very helpful CSR that DB bought the account for approx $90 on July 3, 2003. That date is important. According to FL law, a CA or DB is required to notify a debtor within 30 days of assignment. Clearly neither CA_2 or DB did not. Nor has DB notified me of my privacy rights under GLBA. A couple of weeks pass, receive from CA_2 a document that 'appears' to bear my signature that is nothing more than a pre-approved offer from OC. Plus they provide account statements for 5/02 - 7/02, not a fully itemized accounting. Looking at the documents, it is stamped with a date that the DB received the document from the OC prior to me DV. Furthermore, CA_2 received the documents prior to them contacting me. CA_2 received the documents from DB not the OC. QUESTION - must CA_2 contact the DB then the DB contacts the OC OR must CA_2 go directly to OC?? I send a DV letter directly to DB. Get green card back, dispute with CB's. Eq and Eu delete but TU verifies. Get letter from DB after TU verifies that DB will order docs. from OC, that it could take up to 3 months. In the same letter the say their fraud department requires me to send the a copy of my DL/SSN card plus my signature x3. I send a copy of my DL and SSN but I black out everything before I send it I get letter today from DB, they said that the docs. I requested are enclosed and that their fraud department had determined that the signature is the same as the signature that I signed my letters with. BUT!!!!!! the docs they provided are the exact same docs that CA_2 sent me MINUS the CA_2 date stamps. That is all were received prior to me asking for validation. They go on to state in their letter that the docs provided is all that the OC has and that they cannot provide an itemized acounting as requested. QUESTION - when we DV the docs have to be dated after we DV and not before, correct?? I am thinking of offering the DB $90 to call it even. Or should I tie CA_1's violation in with CA_2's and DB premature posting to CR's, telling them to get lost and if they don't remove from TU I am filing suit?? Any thoughts?
