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I presume that what they sent was in response to a debt validation request from you under FDCPA 809(a), and not in response to a dispute under the FCRA?
Have they reported a collection to the CRA, or have they only contacted you and/or sent dunning notice?
They have sent what they consider to be adequate validation of the debt.
You contest that their validation does not establish the validity.
You thus have a differing view of the validity of the debt. You may ultimately need an objective third party to make a ruling.
Since they will likely consider their response to comprise adequate validation, then they consider themselves to no longer be under a cease collection bar imposed by a DV request, and thus can report their collection at any time.
If they report their collection, you can then take one of two actions to contest their reporting.
First, you can assert that they have violated the cease collection bar imposed by your prior DV request, in that they have conducted a collection activity (reporting to a CRA) without first having sent adequate validation.
You then can obtain review by the court of the adequacy of their validation.
Second, once they have reported to a CRA, you then have the ability for file a dispute with the CRA challenging the validity of the debt, and thus of there being any delinquent debt upon which to support a collection.
That will impose an investigation upon both the debt collector and CRA, and response within 30'ish days of the dispute.
If they verify, you then have basis for bringing civil action and getting the matter reviewed by the courts.
@RobertEG wrote:They have sent what they consider to be adequate validation of the debt.
You contest that their validation does not establish the validity.
You thus have a differing view of the validity of the debt. You may ultimately need an objective third party to make a ruling.
Since they will likely consider their response to comprise adequate validation, then they consider themselves to no longer be under a cease collection bar imposed by a DV request, and thus can report their collection at any time.
If they report their collection, you can then take one of two actions to contest their reporting.
First, you can assert that they have violated the cease collection bar imposed by your prior DV request, in that they have conducted a collection activity (reporting to a CRA) without first having sent adequate validation.
You then can obtain review by the court of the adequacy of their validation.
Second, once they have reported to a CRA, you then have the ability for file a dispute with the CRA challenging the validity of the debt, and thus of there being any delinquent debt upon which to support a collection.
That will impose an investigation upon both the debt collector and CRA, and response within 30'ish days of the dispute.
If they verify, you then have basis for bringing civil action and getting the matter reviewed by the courts.
Wow this is so much hassle. Is my letter not enough for another dispute since the invoice they sent me is not matching with mine? and I really don't owe anything. I checked all my eInvoice they were all $0 balance do think that is enough proof for future lawsuit? and I also included on my letter to
"Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau (or have already done so), also report that the debt is disputed."