I have a medical collection I've posted about before. They refused to document payment for deletion, only saying they 'promise' they'd delete if I paid. "It is against our policy to make promises in writing" ya right.. So anyway, I sent them a validation request last month. As of Monday, it will be over 30 days. I specific in the validation letter I expected their reply within 30 days, as they seem to be able to verify with the CRA's within 30 days. Here is the problem. They actually updated my report to "Account disputed by consumer under the FDCPA" or something to that affect, and it is set to "NO STATUS". They have not replied though to the validation request as of yet. Do I just send them an estoppel? I can't think of any validations I have them on currently :/ Unless the fact that my report says 'account verified on 10/2002' helps me...even though it is in the correct state as far as validation goes.
Send the estoppel. If they still refuse or can't validate 15 days after receiving it, then send them a demand letter to delete the listing as they obviously have no proof of the alleged debt, or they would have sent it. Also, demand a copy of the UDF they send to the cra's and a letter stating the acct file has been closed and you will not be bothered again in regards to this.
