Ok, I disputed an account directly with the collection agency. I faxed in a validation request. I am posting the reply...please let me know what I should do next..Thanks: __________________________________________ Dear Ms. XXXXX I received your fax today regarding a listing on your credit. I did not receive your previous fax. I show that I did list an account that I received from XXXXXX on a XXXXX. The account number is XXXXX for $333.00 and has a date of service of 02-14-1994. I have know way of knowing if you are the right person since you did not furnish me you social security number or date of birth. If you would like to discuss this with me please call my office at xxx-xxx-xxxx between the hours of 8 and 4. Yours truly, _________________________________________ Ok, this is how they responded to me. Notice, that they state here the date of service as 02-14-1994. So why should it still reflect on my report, right? What should I do next. I didn't provide them with my SSN, mailing address, DOB or anything. Do you think I should?
What are you disputing with the CA? Not yours? Just asking for validation??? I never provide a CA with any personal info. If they can't look up the account with my name and the account number that I provide, then that's their problem. It looks like she did find the account with just your name, but just wants to verify if it is actually you. But who cares if it's actually you! What are the odds of someone you don't know disputing your acccounts? I mean, if someone else wants to use my name and CA's to dispute my CA accounts, they are more than welcome to do so. So, providing your identifying info should be up to you. Sometimes just a social is okay, but DOB, etc, etc? No necessary. I would stop sending faxes. It seems like she is claiming the "I didn't get that fax" line. Respond to her e-mail and ask her why a listing from 1994 is on your report anyway. I always use phone contact as A LAST RESORT!!! Get it in writing. If they say something on the phone to you, there is no way for you to prove it later on. Remember, if it isn't in writing, it doesn't exist.
Ok, I was thinking of emailing the agency back, but I would like to have all my ducks in a row before I do that. So, if all that's required is my name and account number to verify the account then that should be enough to request removal right? Is my SSN/DOB really required as part of the validation process? The account was mine, but I knew that it was too old to be on my report. It's showing on my report as collection account since 1996. Two years after the date of service. What can I use in my response to convince them to remove it?
yes, by his own admission it is outside SOL. I would not send him jack,but intent to sue if it is on your report.
Actually if its on your credit report, then they have your SSN. Dont give them a piece of cheese, let alone anymore information.
NO, it can be on his/her credit report if the names are dimilar and that is all. Nobody checks that stuff. If you give them your personal info, then they can just add it to their collection file, and then they will say, "oh, yes, it's you - we have you SSN and DOB." Right - they have it because you gave it to them!!! Never send a CA personal info. They are dishonest, will do anything to get you money, and any time they are nice, they are trying to trick you.
Thanks everyone. I think I'm going to reply to the email and state that it outside the SOL. I have been trying to interpret the FCRA 7 year rule, but is a little confusing as this falls under the "pre 1997" ruling. So if the DOLA is 1994 (from the original creditor) is the SOL up? or is it 180 days from the first delinquency or is 180 days from the date it was charged off? Maybe it's 180 days from the time it was reported on my report by the collection agency? YIKES! Help!
========================== It's been reported for 8 years and 5 months so wouldn't the 7 years be over no matter which way it's figured?
