Asset Acceptance Proper validation?

[Anonymous]

I have finally received my validation back from AAC, however I am unsure about it as it does not seem to be properly validated Here is the letter I received

Re: Original Creditor

Original Acct # 1234

AAC Acct # 1234

Balance: 630

The account has been purchased by AAC the previous creditor indicated that the account was associated with a comsumer with the name DH, and a social secutiry number xxxxx0000

If your still believe the information is inaccurate, please provide an explanation as to why you believe it is inaccurate and provide any documentation you may have supporting your claim for our review.

You account balance may be periodically increaded due to the addition of accrued interest or other charges as provided in the agreement with the original creditor or as otherwise provided by state law.

The problem my DH has with this acct is that he made an agreement with the last CA and is not able to locate a proof of payment letter and have switched banks since then.

Is this  a proper validation?

[MarineVietVet]

It looks good to me. According to FDCPA 809 this is all that is required for validation:

809. Validation of debts 

(a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --

(1) the amount of the debt;

(2) the name of the creditor to whom the debt is owed;

(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;

(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and

(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

(c) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

[IOBA]

2130sunshine - banks keep records for a few years.   It might be worth the money to pay for a copy of the old statement or check, if the bank still has it on file.

Some banks charge a research fee.   Again, might be worth it.

[Anonymous]

Thanks I'll have my dh take care of that