Hello, I sent a letter for Debt Validation also disputed with credit reporting agencys and they verfied with trans union my name and ssn so transunion said thats all they had to do I sent following certfied mail havnt heard back yet been 25 days. To Whom It May Concern: This letter is being sent to you in response entry by your company on my credit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you . What I need you to provide as the debt validation. What the money you say I owe is for? Explain and show me how you calculated what you say I owe? Provide me with copies of any papers that show I agreed to pay what you say I owe? Provide a verification or copy of any judgment if applicable Identify the original creditor; Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. (You are legally entitled to collect this particular debt from me.) This is basic contract law. Complete payment history, starting with the original creditor. (I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt and how you/they determined these fees.) This requirement was established by the case Fields v. Wilber Law Firm, Donald L. Wilber and Kenneth Wilber, USCA-02-C-0072, 7th Circuit Court, Sept 2004.. Copy of the original signed agreement or application. (My contract with the original creditor establishing the debt between us.) This is also basic contract law. At this time I will also inform you that if your offices continue to report invalidated information to any of the 3 major Credit Bureaus (Equifax, Experian or TransUnion) this action might constitute fraud under both Federal and State Laws. I will not hesitate in bringing legal action against you for the following: Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days investigating this information and during such time all collection activity must cease and desist. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Sincerely what should I do after the 30 days ? talk to a lawyer?
Hello thanks for your reply. No I didn't Im sure they got that information from sprint I just listed the account number that was referenced on my credit reports
