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kamila7 wrote:I DV'd Asset seperately over two accounts...both I believe to not be mine!! This was on March 25th. I received a response from them yesterday with two seperate letters Stating "Debt Validation" on top, but all it said was this is the info we have from the creditor we got it from basically the OC name, and debt amount that is showing up on my CR's.I need to know if this is enough? what do I send next? should I wait out the 30 days from my original DV letter and send the since you have not validated letter? I am out of SOL, what should I do, they haven't showed me anything different from what I read on my CR's.Thanks for the advice!!
They must give you the OC name addy and correct amount due.
Everything else that is asked for they would have to answer IF you went to court!!!
If they send a statement....the statement must be on letterhead from the OC
If this is not a medical debt.....Is the OC reporting? what is the DOFD?
When past SOL you can offer a PFD. A PFD can be for the complete amount or less but it must be in writting!
And keep each account separate!!!
lafishy,
your DV request has technically been validated. However, as you point out, this is not your debt - there is no point in arguing DOFD, SOL or NY reporting guidelines. In this case, you should write back to the CA and tell them nicely that this is not your debt - you don't give them any reason or other information, you just give them 7 days to delete from CRA or will file suit. Asking for further data and information is not productive - they have no obligation to produce it. If they don't comply, you file complaints with BBB, AG and FTC, and then you can file suit in Small Claims for $25. The burden of proof shifts to them, they have no evidence to prove it is your debt, while it should be easy for you to produce evidence that you lived in NY for 15 years.
At the same time you write to the CRA and dispute the item as not yours, and request an immediate deletion.
Do not mention any personal information, do not mention fraud or ID theft.
Wait for responses and then you can raise the pressure in a variety of ways.