I have been working on both my hubbys and my own reports. Everything for my Hubster comes back verified from the CRAs almost immediatly NOTHING I have disputed on his has went anywhere. Mine are doing very well. My equ is looking very good now with just one collection left (156.00). My Transunion is reporting lates (they were late) and 2 collections. Experian (used a lot here) is reporting the 3 30 day lates and ewww 5 negs. This has been my luck so far with CRA's. Now on to the collection agencies..... I have asked this before, and my post got destroyed like most of the others latley. The COLLECTION agencies that I am sending verifications to are just sending me print outs. Is this acceptable? Please reply if you are reading this. Also, please don't change the subject, this is important to me because I am at a stand still.
That is a standard collection agency reply. My answer is depends. Do you want it to be enough? Did you write you letter to allow for them to supply computer printouts or did you word it to say you would not accept computer printouts because you are not asking if the account is in their computer, but rather if it really your account in their computer. Did you ask for a copy of the original application for credit which bears your signature? Did they supply it? As for the lack of results from hubby's stuff.... How old is it? If it coming back so quickly I'd guess its recent and still being included on the monthly updates. You can always request the CRAs provide you with the means they verified the account. Good luck!
The courts have held that it is provided all other requirements of FDCPA regarding validation have been met
I sent this one. 10/28/2001 To Whom It May Concern: I am writing to request a validation of a debt you say that I owe. For your convenience, here is the account number in question: *********** Please be aware that I am not requesting verification that you have my mailing address or an amount due on a piece of paper, but rather, validation that I have a contractual obligation to you. Specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Thank you for your time,
I think you misunderstand what I intended to convey to you. It is not your letter demanding validation that must meet the requirements of FDCPA but rather the letter that is tendered to you in response to your demand for validation. Your letter need be no more than a simple demand for them to prove the debt. Your letter demanding validation would be judged by the courts in the light of what one would expect of the least informed consumer. Needless to say, that's not demanding much of anything other then legibility and sensibility. You do not have to meet any particular standard other than was your letter sufficiently legible for the collector to understand your demand.
BILL- I understood what you said. I told you what they sent me. They sent something with my name and address, date of service and amount due. I am asking if that is good enough. As for the copy of my letter I was answering BKev.
Heavens no it's not good enough. I guess Bkev was writing at the same time I was. As I write this I still have not seen his post. Later
I believe I answered that question at length in another post here: http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&pgnum=1&postid=111071#post111071 I think that should be sufficiently detailed to allow you to see the best way for you to decide what you want to do. As I point out in that post, your decision should be based on solid evidence of what is right and what may be wrong. One's decision as to what is best should never be based on the price of the advice given even if that advice is free.
