I have sent a Validation Letter to a co and they sent me a Fraud Purchase Statement......I told them in a letter that I wanted Validation not Fraud. Not sure what to do next. Any suggestions would be greatly appreciated.
Those Fraud forms seem to be the way they're trying to get out of validating. They're tyring to shift the burden of proof onto you. I've seen different responses as to what to do. Some say that if there is no "under penalty of perjury..." then to go ahead and sign it. Some say to more or less do what you did and send them a letter saying I asked for validation, not a fraud form. I got one a few years ago, it was fraud, so I did what the asked and it went away. Personally, I think I'd send them a reply that basically said I asked for Validation under the FCRA or FDCPA and I find their tactics to try and bypass the FCRA and FDCPA without merit and rather insulting. I'd also point out that at the writing of this letter they have XX days left per my initial request. But that's just me and I'm not an expert.
