I got a response to a DV letter that I sent off last week. Here's what it says: "I have enclosed an affidavit of debt for the verification of debt you requested for the above account. The court case of Chaudhry v. Gallerizzo, 174 F. 3d 974 (4th Cir. 1999) states this is sufficient for account verification: "Verification of a debt involves nothing more than the debt collector confirming in writing that the amount being demanded is what the creditor is claiming is owed; the debt collector is not required to keep detailed files of the debt. There is no concomitant obligation to forward copies of bills or other detailed evidence of the debt."" It came with a notarized letter saying that the CA purchased the debt on XX/XX/XX from the OC. I clearly stated in my DV letter that I wanted a "validation" and not a "verification". (Honestly I don't know the difference.) Need help. I don't have a clue as to what to do next.
Will - I never had this happen, but I looked on FTC.gov and found some interesting stuff - don't know if it will help, but here's the direct link to the page http://www.ftc.gov/bcp/conline/pubs/credit/fdc.htm (sorry you have to cut and paste that in your browser)
I checked out the site. I really didn't see too much that could help. Anybody else have any thoughts?
verification is merely them checking with the OC to see if the info matches. validation is when they provide legal proof that the debt belongs to you - contract, etc. i would respond back and state that what they have provided you is not sufficient proof that you have legal contractual obligation to pay them. I think it is artofcredit.com that has a letter just for this purpose - but i could be wrong.
