I knew I shouldn have left it alone for next 7-8 months and the account would have just dropped off but I thought, hey the account hasn't been updated by this ulility company since 2010 may be they will not validate the account. BAM, it comes back updated with new amount and and now shows updated on 2/1/2016.
So I am sure a lot of people can get accounts removed, this is something that could also happen. So be careful, my job now is just to wait it out for next 8 months and see if I can get it excluded 2 months prior to drop off.
I would attempt the PFD now that its been updated better chance since they know they are going to lose power shortly
@gdale6 wrote:I would attempt the PFD now that its been updated better chance since they know they are going to lose power shortly
From what I searched before United Illuminating is not very PFD. This was back when I was in CT, not sure it's going to work. Any idea if United Illuminating works with PFD?
@RobertEG wrote:The flaw is also in what you requested/attempted. It had no validation requirement attached to it.
Debt validation requests only apply to debt collectors, not creditors. Hope that "they will not validate the account" is baseless, as a debt validation request to them is simply an informal request which imposes no requirement on them.
Even had they been a debt collector, there is no requiirement or period to send validation. If the DV request is not timely (meaning not sent within 30 days fo their dunning notice), it imposes nothing, and can be ignored. If the DV request is timely, it imposes a cease collection bar, which they can choose to honor without any response.
RobertEG I know I shouldn't have tried to dispute it because I know it was valid. I have never gotten any letter saying pay this using this number and we will close this account. I honestly have no idea if there was anything I should have done other than not dispute it.
I have no experience with this creditor OP.