I had a civil judgment put on me in jan 2006 for 480 dollars on TU. When I called the CA about it and I gave them the case number.and told them I do not know what this is.and they told be it looks like it was from 1996. I told them there could be no way I was 17 in 96, they asked well what about your husband.. I said what does it matter we did not get married until 2000. they thentold me that is was a mistake and that i have to dispute it with TU.. but they blew me off when I asked for validation to send to TU stating that it was put on there by mistake and they wont send me validation.. what do I do now? Can I dispute with TU without any validation it is not mine?
Thank You for the advice.. I am new at all this and will send a DV letter..Grrrr.Funny thing is while we were on the phone I looked up the case number in oklahoma public records it says no records found. She then told me to talk to the credit agency's lawyer.. called them they said they had no idea they did not have it on records.. Funny seeing as they are the attorney's and filed it on jan 06..
PUT YOUR STATE NAME IN (2 PLACES) MAKE ANY CHANCES NEEDED ALSO.
Jones Collection Agency
222 1st Street
Re: Account #: 5555555
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:
A copy of the alleged original contract or other instrument bearing my signature
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
Evidence of your authorization under 15 USC 1692(e) and 15 USC 1692(f) in this alleged matter
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.