Hey Creditnetters, In response to my second request for validation from a CA medical account I was told that I had been provided with an itemization and while "it may not meet my requirements, itemization of charges is the only validation required under FDCPA". I plan to send them this letter Monday, but would appreciate some feedback as I want it to have the maximum punch. July 15, 2002 Dumb As A Rock Financial Services, Inc 1234 No Brains Ave, Suite 200 Dumpwater, CA 12345 RE: Account XXXXXX-X Certified Mail # Attn: Dear Ms No Clue, Thank you for your prompt response to my second request for validation of this alleged debt. Since your company seems to be unable, or unwilling, to provide adequate validation of this alleged debt I demand that you remove this line from all the credit reporting agencies to which you have reported this and stop damaging my ability to obtain credit at favorable rates. If this item has not been removed by August 1, 2002, I will have no other option than to seek relief in court. If this must proceed to court I will seek the maximum $1,000 per violation allowed by the FDCPA as well as additional payment for court costs and time lost from work for this matter. I sincerely hope we do not reach that impasse. For your edification I have included the Federal Trade Commissionâ??s Official Opinion Letter on medical collection validation in LeFevre-Wollman. Sincerely, I know the law and won't hesitate to use it! Attch: http://www.ftc.gov/os/statutes/fdcpa/letters/wollman.htm I am wondering if I should let them know about Wollman or spring it on them in court. They are still trying to collect and have not reported it in dispute even after 2 letters. EX showed "pending" to my verfication request, but now shows "remains". TU, of course, never showed "in dispute", but verified it while I was trying to validate with the CA.
