MsIE34 wrote:
I sent a dispute letter to ca-midland cap mgm and cra. I just received a letter back from ca-midland cap mgmt-requesting addtional documentation to verify the account. The asked to fax copies of checks, letters and such to a fax#. Well the company that the account was with is First Consumers National Bank. I called First Cosnumers and they said they have no record of the account-its from 2001 and pif. The account is showing on my report as twice the amount and a co. They removed their tl from my report but midland is showing still open.
Should I just fax them the copy of the cashiers check that paid the account in full? Reading the forums it seems as though we should just be disputing everything since its the ca/oc job to "verify or validate" the account?
Any advise is appreciated
Rule #1 never talk to a CA on the phone
#2 never send them anything...........they MUST answer you
We do not dispute with a OC or CA....we dispute with the CRAs
Send a DV letter to the CA.....copy letter make changes where needed & add you state name in 2 places DO NOT SIGN the letter....send it CMRRR
They have 30 days to answer with all info. or delete!
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:
- 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.
I look forward to your timely response.
Best regards,
DO NOT SIGN JUST TYPE NAME
