Six months after a request from NCO for verification of an alledged Cross Country Bank debt, it appears that the necessary verification was provided. What now? Thanks
I am obviously very new here and don't know how to post my own question separately...any help would be appreciated...however, here is my question...(I hope someone will still answer) 1. I disputed a CA account on my experian CR for RJM Acquisitions, LLC for $94.00 for some book club that I have no knowledge of...there is no phone number on the credit report to contact. Experian replied today and said that the item has been verified and remains...now, I thought I read something on here somewhere that said that they have to have all accurate information? 2. How can they verify with no phone number? 3. What should I do next?
RJM Acquisitions LLC 575 Underhill Blvd Ste 224 Syosset, NY 11791 (516) 714-1300 Contact the agency who has the account, send the a validation of debt letter.
Thanks...I already got a copy of a validation letter from another thread...I will send immediately...from everything I've read I need to send it via certified mail, correct? Also, is there any action I need to take with Experian for supposedly validating a debt but not providing me with the phone number for this CA? I ask that because there's another CA on my experian report without a contact phone number? Any advise is appreciated. Thanks in advance!
From your post in the other thread..... Send a Debt Valadation letter to the Collection Agency. There are several examples of them here on the board. Don't get too fancy, just tell them you have no idea what this debt is for. Ask them the same questions that are swimming around in your head.... What book Club, What they think you bought, how did they get the figure $94, who bought the stuff and why are you liable for it, and if it was purchased from the book club why should anyone pay them (RJM)? As for the phone number, that's fine. They don't have to provide a phone number and it's probably best that they don't. Collectors spend 40-50 hours a week on the phone and are very skilled at using it to get you to say things that you don't mean. Trust me they will get you to make a statement that out of context can be used later to make it seem like you admit the debt is yours. Best advice, STAY OFF THE PHONE. Send letters, the mailman is going to their office everyday anyway
Thank you so much...I found letters from this site and am sending them out first thing tomorrow morning. And great advice...I will certainly stay off of the phone.
