I'm a little confused about a letter I received from a CA. This account is scheduled to drop off my credit report in October. It's an old utility account. Anyways, this exact same CA reported me years back and now they sent me a letter (which I haven't heard from them in about a year) saying the following:
Your delinquent account has been turned over to this collection agency. You are hereby notified that I.C. Systems will forward the account informaiton to the national credit reporting agencies in your creditors name if you fail to fulfill the terms of your credit obligations. Of course, you will have the right then, as you do now, to inspect your credit file in accordance with federal law.
Then it goes on about the 30 days I have to dispute the validity of the debt.
I figured maybe they sent this to me because it's tax season and expect me to want to pay this with a refund. But why would they threaten to send it to the credit agencies when they already did so. I just want to make sure I'm not missing something. I just want to wait until this falls off my report in October and be done with it. But should I do something within the 30 days to dispute? This letter sounds like the first letter they send out on an account. Please help!
