Credit Card Center Advertiser Disclosure

Established Member
Posts: 18
Registered: ‎10-07-2012
0 Kudos

Sent Validation letters received Verification (PRA)

[ Edited ]

I was of course very clear in my DV letter that I was requesting a Validation of the debit they claim I owe, but insted they sent Verification trying to play games. 


I'm thinking a very firm responce letter is in order, with threat of legal action, if further debit collection atempts are made with out proper validation. My question is this being most likely an obvious stall & confuse tactic, that I'm sure is very common with them, how have others taken up responce to this obvious atempt to play games with wording?


I recived the same cut & paste Verification responce to two Validation attempts for two seprate debits they are trying to collect on. Any suggestions on how to respond other than very firmly?

Starting EX : 578 EQ : ??? TU: ???
Current: EX : 630 EQ : 639 TU: 684
Goal: 700 to start
Valued Contributor
Posts: 1,587
Registered: ‎08-30-2012
0 Kudos

Re: Sent Validation letters received Verification (PRA)

I despise these people. I  have my own tatic that I am working on/using. With that being said, this sounds like you need to wait for RobertEG comments on this or someone with a bit more knowledge then myself.

Scores: about 700 across the board
Total CL: $275k
Community Leader
Epic Contributor
Posts: 29,726
Registered: ‎03-19-2007
0 Kudos

Re: Sent Validation letters received Verification (PRA)

FDCPA 809(b), in its title, refers broadly to validation of debts.

It is a comprehensive term that encompasses verification of the debt plus possible other items set forth in that section of statute, such as a copy of a judgement if one exists, and, if also specifically requested by the consumer, the name and address of the original creditor.


If the debt has no legal judgment and the DV did not additionally request the name and address of the original creditor, then validation is fulfilled by statement that they have obtained verification of the debt, and a statement of its current amount.


Verification does not, under the statute, require production of documentary evidence to support their statement of verification.

I dont see a violation of section 809(b). 


Additionally, if you dont consider their response to constitute adequate validation, that does not render their attempt to do so a violation. 

It would simply remain an unvalidated request.  Violation would occur if and when they commenced collection activities without having provided what is considered adequate debt validation.  You could then bring action for violation of their cease collection bar, and get the issue of adequacy of validation before a party authorized to rule on the legal sufficiency.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. 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.