In Dec. 2002 Providian charged off my account. And sold it to Asset Acceptance. In 1/2003, Assest has it listed on my credit report as opened as of 1/2003, date reported 4/1/2003 (first letter from them was 4/2003, first notice noted on bottom of letter). Asset Acceptance has higher balance than Providian has listed on CR when it was charged off. No notice as to the difference. My credit reports are really off as far as payment information to some of these Credit cards. Providian credit card has not had a payment paid on since January/February of 2000 which was thru Consumer Credit Counseling. Started in December 1999 with them and after 3 months, I just stopped paying because I was getting behind on utility bills and other things. I wrote Asset Acceptance back in Novembr/2003 to stop calling me at work and asked for a validation report and still received calls about a payoff for about 1/2 what was owed. Assest Acceptance even called for employment verifcation and left the message on my extension at work - LOL, when I'm the one answering the phone (have not deleted that one yet) I don't know what to do at this point??? Any suggestions???
If this is an accurate depiction, then thats your first violation: § 809. Validation of debts [15 USC 1692g] (a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- (1) the amount of the debt; (2) the name of the creditor to whom the debt is owed; (3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector; (4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and (5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
