Reply
New Contributor
Posts: 50
Registered: ‎01-01-2013
0

Medical CA - OC doesn't have any record of debt

I have a medical collection for a whoppinig $40 on EQ.  I tried to back door the CA and call the OC since they never responded to several settlement letters.  After 45 minutes on the phone with the OC they have NO record of the debt.  I asked how the CA got the debt and was told it was issued to them.  This was verified with a DV letter from the CA.  Is my next step an MOV letter?  I would like to pay it and be done with it but I have never had any settlement response from them.


Starting Score: EQ 553 - TU 569 8-24-12
1-4-13 Scores: EQ 645 - TU 675
3-25-13 Lender pull EQ 646 - TU 687 - EX 647
Goal Score: 700 Across the board before 6-13


Take the myFICO Fitness Challenge
Mega Contributor
Posts: 19,107
Registered: ‎03-19-2007
0

Re: Medical CA - OC doesn't have any record of debt

The debt collector is required to have "obtained" verification.  The statute does not define the procedures.

They could quite possibly have their own records that they consider adequate to verify the debt.  The fact that the OC no longer retains records does not, per se, mean that the debt collector cannot verify the debt.

When providing debt verification, they are not required under FDCPA 809(b) to provide supporting documentation, so you have no way under the DV process itself to challenge the actual accuracy of their statement that they have obtained verification.  To compel documentation of their verification requires getting the matter before a judge.

 

The method of verification (MOV) process applies only to requests sent to a CRA relating to the procedures they used in their reinvestigation of a dispute.

There is no requrement under either the FCRA or FDCPA that a debt collector provide the method of their verification of a debt.

Moderator
Posts: 12,952
Registered: ‎04-15-2011
0

Re: Medical CA - OC doesn't have any record of debt

It's a small amount, have you tried a PFD with the CA?


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!
New Contributor
Posts: 50
Registered: ‎01-01-2013
0

Re: Medical CA - OC doesn't have any record of debt

I have tried PFD and other communication.  The only thing they answered is a DV letter from November.  I have made multiple attempts to reach a settlement for the FULL amount (HA!) and they refuse to return phone calls and such.


Starting Score: EQ 553 - TU 569 8-24-12
1-4-13 Scores: EQ 645 - TU 675
3-25-13 Lender pull EQ 646 - TU 687 - EX 647
Goal Score: 700 Across the board before 6-13


Take the myFICO Fitness Challenge
Regular Contributor
Posts: 226
Registered: ‎08-24-2009
0

Re: Medical CA - OC doesn't have any record of debt

I had the same situation for $35. I sent DV to CA, tried PFD, they refused, sent money order today. Now I will try GW. It was for a new collection that popped up. Hope I didn't do wrong by sending money. It was a valid debt of mine. Stupid co-pay doctor did not charge at my visit.

Get a myFICO recommended credit card

Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.