OK, Here's what I sent to the lawyer. I will do a seperate post for each account because they may be too long. I will then post her responses to each one. Please note that I play dumb here a little bit because I want to hear what she has to say about it.
Subject: Harvard Collections/Sprint
Let me start by saying that I have tried to handle these issues by myself as much as possible. The goal is not to avoid paying valid debts. During the process of cleaning up my credit, I have also rehabilitated a student loan and a credit card, and paid off a couple of the small collections. My goal here is to make sure I’m not being extorted by collection agencies, especially for debts that aren’t mine. I have done a lot of reading on the internet to try and make sure that while I act within my rights, that I also follow the law. I just want the entities that I deal with to do the same. I am including many assumptions in my descriptions based on my reading, and hope that you can confirm or correct my assumptions during this process.
Here is some history. Back in September 07 (when I started monitoring my credit) I saw an entry from a company called Allied Interstate with Sprint as the original creditor for $187. I didn’t know what this was for, so I disputed the item with the credit bureaus and it was removed. I never got any letters or notices so I assumed it was a mistake and it was taken care of.
On 12/24/07, I received an alert from my credit monitoring service that a derogatory account had been added to my Experian credit report. It was from Harvard Collections with Sprint as the original creditor for $187. When I checked my 3 in 1 report I saw that the item was actually on all 3 major credit reports. I had not received any correspondence from them of any kind, so I was never given the 30 day time period within which to dispute the debt and obtain copies of their records. According to what I have been reading online they had 5 days from the date that they posted the account to notify me of what they had done and why. I waited nearly 15 days because I assumed there would be delays from the holidays, but I still received nothing. I sent the attached letter to them via certified mail (I have the return receipt if you need it) and asked them for proof of what this bill was and that it was mine. I then disputed that account with all 3 credit bureaus. A Harvard rep signed for my letter on January 9th but never responded to it. They verified the accounts with all 3 bureaus so they are still on my reports. According to my research, a collection agency doesn’t have to respond to a debt validation request, but if they choose not to respond, they cannot proceed with collection efforts, up to and including reporting to credit bureaus. Since they have chosen not to validate the debt, do they not waive their right to collect it?
According to the info on the credit report, this bill is from 2004. I didn’t have a Sprint phone at that time, and as a matter of fact didn’t even have a home phone. For the first part of that year I was living with friends and didn’t have ANY utilities in my name, so I really don’t know what this is about. I am hoping that you can either persuade them to give me the information about the debt that I have asked for so that I can determine if it is mine or to admit that they don’t have the proof I’ve asked for and leave me alone.