I sent a validation letter to "CA-1". They respond with a computer printout, an itemized statement with medical codes. They sent no more collection notices and never reported to the CRAs. BUT... I later check my credit report and see that a new CA ("CA-2") is reporting this debt. CA-2 has never contacted me whatsoever, nor have they sent me a bill, collection notice, etc. The punchline: When I look at the CA-1 collection notice and look up the local phone and 800# numbers for CA-2, THEY ARE THE SAME! AND, their addresses are the same! CA-1 used a PO box in their letters to me. How devious and deceiptful!!! All this hassle for chump change... How should I fight this one?
Illegal violation of Section 8 of the FDCPA- False And Misleading Representations. (14) The use of any business, company, or organization name other than the true name of the debt collector's business, company, or organization.
No I meant it seems you have them on that one. I went back and read your post again and it looks like you might have them for trying to collect before Val.too for a total of 2 violations.
