Disputed Account Comes Up With A New CA

[PayYouNever]

I disputed an account that I found on myFICO for an old Verizon bill (the amount was wrong) with the myFICO-generated dispute letter, and I received in the mail a collection notice from AMO Recoveries, a new CA, who claim that they bought my debt.

My plan is to send the CA a PFD, should I again dispute the account with TU, EQ and EX as well? And is there anything I should be doing?

I haven't pulled my EQ score since early Aug. (it was 564, then it dropped to 514, because of a Cap1 CC balance increase of $40!)

[Anonymous]

what is the dates on derogs???   what is your SOL

After DV the CA must answer within 30 days or STOP all collections - including reporting!

If you are ready to PIF   first send a DV letter  if accepted then PFD.  wording must be exact on PFD. It must say WILL delete not May delete.

DV letter   make changes where needed & add your state in 2 _______________

DV letter is sent   CMRRR

August 26, 2007

Jones Collection Agency

222 1st Street

Noplace, FL33333

Re:      Account #:                   5555555

            Original Creditor:         Smith & Smith Corp

Dear Sir or Madam:

This letter hereby notifies you that the validity of this debt is in dispute. In an attempt to validate this debt, I am requesting evidence of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such substantiation, under federal and state law you must correct any erroneous reporting to any and all credit reporting agencies

In accordance with Section 809 of the Fair Debt Collection Practices Act, Fair Credit Reporting Act and corresponding case law, please provide me, in writing, the following information:

1. A copy of the alleged original contract or other instrument bearing my signature
2. Complete account history, including, all statements, records of all activity, payments, collection attempts, and any charges added for collection activity; In short, any and all documentation pertaining to this account
3. Evidence of your authorization under 15 USC 1692(e) and 15 USC 1692(f) in this alleged matter
4. Evidence that your company is registered as a consumer collection agency in the State Of ______________

Additionally, until full validation is provided, all representatives of your company, or any affiliated company, must immediately cease & desist all attempts to collect the aforementioned debt. Failure of your company to comply with this request will be a violation of the Fair Debt Collection Practices Act and will directly result in a complaint filed with the Federal Trade Commission and the State Of ________________Attorney General's office. Please be advised, should this request be violated, I will pursue all criminal and civil claims, including any and all punitive damages, allowable by federal and state law against your company.

Failure to respond, in writing, and in a timely manner, will serve as a waiver to any and all of your claims in this matter and that this matter is permanently closed. Please provide the requested information or correct your records and immediately request the removal of this invalid debt from all sources to which you may have reported.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be retained should further action become necessary. This is a request for information only, and is not a statement, election, or waiver of status.

I look forward to your timely response.

Best regards,

Jane Doe

DO NOT SIGN     JUST TYPE NAME

[PayYouNever]

HappyDays,

Cali's SOL is 4 years, and this is from '06...

I can PIF, which is why I was going to send a PFD, but do you think if I DV there is a possibility that I can avoid PIF or PFD?

I'm thinking that if I PFD with EXACT language for PFD, then I can get this expunged.