Question! Please help!

[RW771]

Does anyone know exactly what a CA is required to provide once you send a certified letter to them demanding proff that they own the debt? Aren't they supposed to provide official documents...not something they created in-house? I'm battling through the BBB with a CA and they keep sending me a statement (showing paid) with generic info. on it but nothing that shows they own the debt or anything official.

Can someone answer this for me or give me the law statute for this? The FDCPA is so vague...

TIA!

[Shogun]

If it is showing paid, then there's no need to verify a debt so a DV is not of value here.  Is there an error in the reporting?  Have you tried a GW?

[guiness56]

FTC opinion letter:

http://www.ftc.gov/os/statutes/fdcpa/letters/wollman.htm

[RW771]

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@Shogun wrote:

If it is showing paid, then there's no need to verify a debt so a DV is not of value here.  Is there an error in the reporting?  Have you tried a GW?

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Right. I've sent GW after GW over the past several years and nothing. This is a stupid $100 medical bill that has been PIF since 2008 and scheduled to fall off next year sometime. The only reason I'm even messing with this is I keep getting denied for credit due to this one collection from 2007 that won't go away! ugh!

The OC has been out of business for several years and so I'm demanding validation to show they actually own(ed) the debt (knowing that chances are they probably won't be able to verify since OC is out of business). They sent me a "Guarantor Collection Card" but nothing with their name/info. on it showing they're the ones that took over the debt. I have 2 days left to respond to their response to the BBB and so confused and don't know what to do. I'd give up and just wait for it to fall off next year but I've battled with them this long, and sick and tired of being denied credit based on this single PAID medical debt from 2007!