Hi All, I did my CHOD, now I'm working on the individual CA. I sent this CA a verification letter with the form for them to fill out and this is what they sent back. 1) A questionaire for me to fill out which includes everything from DOB to ss#. 2) A fraud package to fill out. I know that this is not validating the debt. My question is.....Do I wait out the thirty days and send a second validation letter??? OR What????????? Please bare with me, still new, still learning. Little info. Debt is from 1997 for 204.78 they keep adding late payment to it. Frankly I am not sure if this debt is mine. It's a phone bill. Thanks for any help in advance. Teejay.
I would ignore it and continue waiting for their validation. Did they send it CRRR? If not don't worry about it. It's their way of mucking up and confusing what the real issue is and that is their validation of the debt. I didn't think a CA could add late fees to an account so off I go to look this up again.
Kathycmh, Thanks for responding. I'll look into that adding of interest as well. I'll also sit tight and wait them out before responding to let them know that they are in violation of the FCRA. (They are the furnishers of info. to the CRAs.) Teejay.
