DV from T-mobile not enhanced recovery

Anonymous · ‎03-19-2015

So I requested a DV from enhanced recovery about a old t-mobile bill and I end up receive the DV, the bill, letter from from t-mobile not enhanced recovery. So my question is, so does that means t-mobile still owe the debt not enhanced recovery that's on my credit report?

Shogun · ‎03-19-2015

Not necessarily, what does T-Mobile have listed, is there a balance?

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July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
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Anonymous · ‎03-19-2015

The letter says thanks for your recent inquiry to t-mobile customer care, and says to address payment to t-mobile with there p.o. box address. No where in the letter does it mention enhanced recovery. Also got t-mobile logo on it

Shogun · ‎03-19-2015

Probably means they still own the debt and Enhanced was just hired to collect. They didn't sell the debt, only assigned.

Starting Score: 504
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.

RobertEG · ‎03-19-2015

It means that the debt collector remains under a cease collection bar (assuming your DV was timely), as the statute (FDCPA 809(b)) requires that the debt collector provide debt validation, not the OC. The OC is not a party to the dv process. It is a debt collection practices matter intended to place a cease collection bar on the debt colector, which is only removed by adequate response from the debt collector.

I would send notice to the debt collector, with a copy of the OC response attached, and inform the debt collector that they remain under a cease collection bar.