Credit Associates Not listen

[Anonymous]

Way back in March or April I recieved a bill from a creditor which I disbuted with them right away as not mine. They gave me a telephone number which was my phone number but another number which was not mine. I explained I wasn't paying the bill unless they verified the acct. The lady at Thrifty Nickel (this is a free paper for folks around Montana) said she called the other number and I answered and refused to ID myself but she was 100% positive it was me, uhhhh? I never answered any phone as I do not have a cell. I called the CA before I ever found this site and they verified that Trifty Nickel verified the other number as mine HOW??

Anyhow tday I recieve a letter  from CA stating they have made many attempts to settle this $87.56 debt. I keep telling them IT ISN'T MINE, i'm not paying should  do the DV letter again ? Tey just reply it was verified by Creditor. I did verify my address and phone but I refuse to give my SS # if it wasn't used for this why do they need it? I have had a Fraud alert on my Credt Report since  found out I had tons of my ex sister in laws stuff on me. Should I just pay?

[cgmiller63]

Don't pay and stop talking to the CA on the phone. Send the CA a DV letter instructing them to contact you only by mail. Send the letter confirmation delivery -return receipt and type your name and do not sign the letter nor give them your SS#.  The CA will then have 30 days to validate the debt. If they cannot do that, they MUST cease contact and cannot report to CRA. 

Message Edited by cgmiller63 on 09-11-2007 01:45 PM

[Anonymous]

is this on your CR????

[Anonymous]

Yes it is on my CR I've disputed but they come back verified, as  I Stated I did call to ask how the verified it and CA told me orginal credit did by calling cell phone and hearing my voice, so it was me that place ad.  I have no cell, and I too have called the other number and the lady is rude, says she is tired of people calling and asking for (my name). The orginal creditor must be a voice expert? Although it was not my voice.

[Anonymous]

Does this sound ok to send ? I got it from here but redid letter a little. Can they get a judgement on me if i mail this ?

Dear Sir or Madam:

This letter hereby notifies you that the validity of this debt is in dispute. In an attempt to validate this debt, I am requesting evidence of this debt, specifically the alleged contract or other instrument bearing my signature. Absent such substantiation, under federal and state law you must correct any erroneous reporting to any and all credit reporting agencies.

In accordance with Section 809 of the Fair Debt Collection Practices. Fair Credit Reporting Act and corresponding case law, please provide me, in writing, the following information:

1. A copy of the alleged original contract or other instrument bearing my signature

2. Complete account history, including, all statements, records of all activity, payments, collection attempts. In short, any and all documentation pertaining to this account

3. Evidence of your authorization under 15 USC 1692(e) and 15 USC 1692(f) in this alleged matter

Failure of your company to comply with this request will be a violation of the Fair Debt Collection Practices Act and will directly result in a complaint filed with the Federal Trade Commission and the State of Montana Attorney General’s office.

Failure to respond, in writing, and in a timely manner, will serve as a waiver to any and all of your claims in this matter and that this matter is permanently closed. Please provide the requested information or correct your records and immediately request the removal of the invalid debt from all sources to which you may have reported.

For the purposes of 15 USC 1692 et se., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This notice is an attempt to correct your records, and any information received from you will be retained should further action become necessary. This is a request for information only, and is not a statement, election, or waiver of status.

I look forward to your timely response.

Best Regards,

Message Edited by SpunkyOne on 09-11-2007 02:37 PM

[Anonymous]

Never talk to a CA on the phone!!!!!!!

Send DV letter   CMRRR              Fill in your state

Jones Collection Agency

222 1st Street

Noplace, FL33333

Re:      Account #:                   5555555

Dear Sir or Madam:

This letter hereby notifies you that the validity of this debt is in dispute. In an attempt to validate this debt, I am requesting evidence of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such substantiation, under federal and state law you must correct any erroneous reporting to any and all credit reporting agencies

In accordance with Section 809 of the Fair Debt Collection Practices Act, Fair Credit Reporting Act and corresponding case law, please provide me, in writing, the following information:

1. A copy of the alleged original contract or other instrument bearing my signature
2. Complete account history, including, all statements, records of all activity, payments, collection attempts, and any charges added for collection activity; In short, any and all documentation pertaining to this account
3. Evidence of your authorization under 15 USC 1692(e) and 15 USC 1692(f) in this alleged matter
4. Evidence that your company is registered as a consumer collection agency in the State Of ________

Additionally, until full validation is provided, all representatives of your company, or any affiliated company, must immediately cease & desist all attempts to collect the aforementioned debt. Failure of your company to comply with this request will be a violation of the Fair Debt Collection Practices Act and will directly result in a complaint filed with the Federal Trade Commission and the State Of_____Attorney General's office. Please be advised, should this request be violated, I will pursue all criminal and civil claims, including any and all punitive damages, allowable by federal and state law against your company.

Failure to respond, in writing, and in a timely manner, will serve as a waiver to any and all of your claims in this matter and that this matter is permanently closed. Please provide the requested information or correct your records and immediately request the removal of this invalid debt from all sources to which you may have reported.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be retained should further action become necessary. This is a request for information only, and is not a statement, election, or waiver of status.

I look forward to your timely response.

Best regards,

TYPE NAME.......DO NOT SIGN!!!

[Anonymous]

i read not to use the words "cease and desist" is that not true?

[Anonymous]

---

SpunkyOne wrote:

i read not to use the words "cease and desist" is that not true?

---

cease & desist UNTIL  validation.....this is not a cease & desist letter.