i have a collection agency collecting a debt for bally's health club since DEC-2001 i sent then a validation letter in Feb 2002 no respond then they sent me a settlement offer for 40% off in Sept-2002 in October i sent them a second validation,cease and desist letter no respond and it was not on my credit report from them yet it was on my report from a nother collection agency but when i disputed it with experian it came off and it says on the report sold to a nother collection pass 180 days recently in Jan 2003 i seen the entry on my experian credit report so i send a intent to file lawsuit to this collection agency and i gave them 10 days to respond ,no respond and i sent to experian a dispute letter in feb 2003 they came back saying that they need more info such proof of resident address and a lot of things ,what proof they need and they sent me their letters to the same address from the beginning,any way i sent every thing they asked for plus i sent them my communication letters with that agency crrr on (3) times ,yesterday i received a letter from experian saying that this item was already investigated befor and if i suspected any fraud is to contact the collection agency and to look for my older report to find the name and the phone # of the agency because i requested procedure verification.what should i do now,Please Help. THANK YOU
I need your help, PLEASE i have a collection agency collecting a debt for bally's health club since DEC-2001 i sent then a validation letter in Feb 2002 no respond then they sent me a settlement offer for 40% off in Sept-2002 in October i sent them a second validation,cease and desist letter no respond and it was not on my credit report from them yet it was on my report from a nother collection agency but when i disputed it with experian it came off and it says on the report sold to a nother collection pass 180 days recently in Jan 2003 i seen the entry on my experian credit report so i send a intent to file lawsuit to this collection agency and i gave them 10 days to respond ,no respond and i sent to experian a dispute letter in feb 2003 they came back saying that they need more info such proof of resident address and a lot of things ,what proof they need and they sent me their letters to the same address from the beginning,any way i sent every thing they asked for plus i sent them my communication letters with that agency crrr on (3) times ,yesterday i received a letter from experian saying that this item was already investigated befor and if i suspected any fraud is to contact the collection agency and to look for my older report to find the name and the phone # of the agency because i requested procedure verification.what should i do now,Please Help. THANK YOU
Did you c&d the same agency you requested validation from? Sorry if I am mixed up. If you did c&d, then asked for validation, legally, they cannot respond. Sorry if this is not what you did. I couldnt tell if you c&d'd one agency and sent validation to the other. Problem with sending ITS letter...you have to be willing to follow through with what you say in your letter. By not filing suit on the 11th day, they just called your bluff. Next step...if you have adequate grounds, go down and file suit. If the debt is unpaid and legitimately yours, a judge may not have much sympathy...better to note any and all legit violations before doing so.
yes i sent the validation and the c&d to the same agency on the second validation but they still verified with experian is this a violation or what and the debt is not mine ,i do remember that i went to bally's club about 12 years ago not recently they claim this account happened in 1998,plus experian is refusing to investigate after all the proof.
