I sent out a validation letter to a CA back in mid november concerning 2 accounts from different companies. The have just now responded and included what looks to be a copy of a bill with my name on it (no signature) for one account, and no proof for the other. Should I go ahead and send the estoppel letter now for both of the accounts?
I would definitely try to make them provide you a copy of the original creditors info with you signature or something more solid than just a computer printout. Heck, I can generate something like that and send it out to people saying that I'm a collection agency and that they owe me money. If they can't, than dispute it with them and/or the original creditor...or try the estoppel. If they're being hard headed and they're small debts (and you're really not worried about the principle of the whole thing because they reall are yours), then you can try sending them a letter stating that the only way you'll pay the debt (as long as it's not a large amount), is if they take all entries off of your credit reports. I had only one collection account on all three of my reports and it was a stupidly small amount. So, instead of wasting more money on crr mailings and wasting time, I stated that same offer and it got taken care of in a matter of 2 weeks.
