Help me translate this?

InvincibleSummer3 · ‎03-19-2013

I am cautiously optimistic here....but I want to make sure I know what this says.

Sent a DV to a CA that I found on my report. Very plain, just "I see you are reporting I owe a debt; please provide validation" verbiage. I get a letter back that says:

"Thank you for your recent inquiry. We are providing you with this letter pursuant to your specific request to confirm that XXX, Inc. does not list you as the responsible party regarding the above items....Please be advised that we are in the process of contacting the credit bureaus with a request to delete the listings of the items from your credit profile."

Does this mean they are deleting? And should I be at all worried about the weird way they phrased "my specific request to confirm", which I didn't really ever do?

Not that I want to look a potential gift horse in the mouth, but I just want to be sure before gettin' all happy....

Thanks in advance!

Rain77 · ‎03-19-2013

Yes, they are deleting. Validation essentially asks for confirmation/proof the debt belongs to you, so no need to worry about how they worded. Hold on to the letter, real tight, and monitor your reports to be sure they delete. It can take at least 30 days, depending on when they update the CRA. Congrats!

Last HP 8/29/14

guiness56 · ‎03-19-2013

@Rain77 wrote:
Yes, they are deleting. Validation essentially asks for confirmation/proof the debt belongs to you, so no need to worry about how they worded. Hold on to the letter, real tight, and monitor your reports to be sure they delete. It can take at least 30 days, depending on when they update the CRA. Congrats!

Actually, there is no proof of who owns a debt in validation. It only consists of a debt being owed and who is collecting on it.

It would be up to you to provide proof the debt isn't yours.

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InvincibleSummer3 · ‎03-19-2013

@guiness56 wrote:
@Rain77 wrote:
Yes, they are deleting. Validation essentially asks for confirmation/proof the debt belongs to you, so no need to worry about how they worded. Hold on to the letter, real tight, and monitor your reports to be sure they delete. It can take at least 30 days, depending on when they update the CRA. Congrats!
Actually, there is no proof of who owns a debt in validation. It only consists of a debt being owed and who is collecting on it.

It would be up to you to provide proof the debt isn't yours.

That's why I was not specific. I honestly don't know if it's mine or not. There is another person in my same hometown with the exact same name, so all I can think is maybe it wasn't mine after all?

guiness56 · ‎03-19-2013

Things get put on other peoples reports all the time. Sometimes it is harder to prove than others. But, they are deleting and that is a good thing.

Credit Scoring 101
Guide to Common Abbreviations
Other Frequently Requested Threads
Closing Credit Cards
Direct Dispute

chevyman · ‎03-19-2013

Right now I am working on a few that my ex put in myname aafter I left her

InvincibleSummer3 · ‎03-19-2013

@guiness56 wrote:
Things get put on other peoples reports all the time. Sometimes it is harder to prove than others. But, they are deleting and that is a good thing.

That is amazing, since I had one of her HPs show up on my account and I could not get it off. But hey, a deletion is a deletion.

InvincibleSummer3 · ‎03-19-2013

@chevyman wrote:
Right now I am working on a few that my ex put in myname aafter I left her

Isn't that illegal? Did you file a police report?

chevyman · ‎03-19-2013

Its id theft she did this in 04 but was not on CR til last year