I recived this from RJM acq LLC, is this proper validation?? original creditor: fingerhut/axsys national bank acct #: XXXXXXXXXXXXXXX rjm file #: XXXXXXXXX we are your new creditor please be advised that rjm acq llc has purchased the above referenced acct. all payments or questions about this acct should be directed to us in writing using the postage paid return envelope provided and/or by calling us at the telephone numbers provided above. the following is infomation was provided to us by the original creditor and/or is maintained in our records. name of original creditor: fingerhut/axsys national bank date acct opened: May 5, 1995 ss#: ***-**-**** last paymt date: May 26, 1999 if any of the above info is not accurate, please contact us w/corrections. the balance due on this accT is $2,581.28 rjm is not a collection agency What do I do now? How did they get my ssn? experian has verified and refuses to investigate. please help as this is the only bad mark on my credit report. Sent first DV letter about three weeks ago. Thanks George
1) This letter from RJM is NOT proper validation. LBrown59 has links to articles on validation in his signature. Read those articles carefully. Send the request for validation to RJM posthaste via certified mail, return receipt requested. If RJM can't give you a detailed accounting of the account (and they just might not be able to do that), you'll have them on a violation of laws that pertain to collection agencies (see #2 below). 2) Sorry to burst RJM's bubble - NOT! - but they are a collection agency and have to abide by both the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). You see, when a scumbag slimeball outfit like RJM Acquisitions purchases a debt from a company, they become a third-party collection agency and have to abide by the FDCPA and FCRA. I'm sure that others will weigh in with additional ideas on approaching RJM. HTH, John
See this thread. http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&threadid=47456 WALLST
I sent RJM a validation letter about 2 weeks ago and today got a letter stating they were closing the file and deleting the account. I was very suprised the folded so quick. Account was for $400 and the SOL expires in August.
What nice is the pay the postage. Otherwise, I would have waited until August for the SOL to run out.
What do I do now? How did they get my SSN? 1*experian has verified and refuses to investigate. 2*Sent first DV letter about three weeks ago. 3* rjm is not a collection agency Thanks George ============= 1*Was this before or after the ca got your VL?Has the account been marked in dispute? 2*When did RJM get it? 3*Bold faced out rite lie ! !
