Is this Proper Validation?????

[renaboo01]

Hello,

I have been going back in forth with Hudson and Keyse since Oct 07. Now after three dv's, they had their legal department send me 2 copies of a credit card statement from US Bank. I even sent the letter to U.S bank to see what they would do and they deleted from all three reports. I asked for full media validation in all the letters that I sent, but they seem not to understand. I got the letters from here, so they broke down everything that I needed them to provide. I really can't see how they think they validated. But how do you validate a debt that the OC can't. The DOFD is July 04 (That is what was on my CR b4 OC deleted), should I just send them a PFD? I am really tired of dealing with them.

Any advice would be great.

[Anonymous]

If the OC only assigned the debt to the CA and they have since deleted the account, the CA must do the same thing.  The only way they could report would be if they owned the debt.

I would call the OC and ask them to have the CA remove the account.

[renaboo01]

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guiness56 wrote:

If the OC only assigned the debt to the CA and they have since deleted the account, the CA must do the same thing.  The only way they could report would be if they owned the debt.

I would call the OC and ask them to have the CA remove the account.

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Thanks for the reply. US bank is just as stupid as them and they are really no help. I am glad they they did what they said they would do and deleted the account from my CR's. They said that they sold this account to them, but they don't have any applications with my sig or anything. Just statements. They still does not prove anything. I just feel a little uneasy now, because I don't want them to try to sue me. How long does it take to file suit anyway. I am in CA and sol is 4 years. That is just next month.

[Anonymous]

SOL would start at the last payment you made to them and would end on the last day of the month 4 years later.  So if your last payment was 1 Jul 06, SOL would be 31 Jul 10.

What type of debt is it and is it a valid?

[renaboo01]

From the looks of the statement, it said credit card. I did not open this account, so I consider it not to be valid. But at this point, I am just tired of dealing with them. I am putting a PFD in the mail today. Wish me good luck!