What is validation?

[Anonymous]

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@Anonymous wrote:

I sent a DV letter and never recieved any response whatsoever the only communication I have recieved from the CA is a pay this in full now or request validation within 30 days, and i sent a DV letter immediatly Certified with Delivery confirmation. I discovered the Collection well before they sent  the bill. This is not a debt I owe from a company I have never done business with. They did call me once at 6:30 in the morning on a Saturday and  i only said, "Its 6:30 on a Saturday, mind calling me back later?" I have sent them my phone number to call me etc... and I have gotten no response, I have called them and get sent to "auto hang-up" and never talk with a person.  I sent them paperwork showing that I didnt owe the debt (That I didnt live anywhere near the service region they were talking about, nor had I ever lived in an area where it was even possible), no response. They do however keep increasing the amount on my credit report a dollar or two every week?  I have disputed it on my Credit reports but the accounts still say Its in dispute and its been nearly 3 months. Next step, Im told is to go the police department and file a fraud report, which i am willing to do but really dont want to go that route, this is a major inconvenince and i didnt do anything to deserve it. Wouldnt it be nice if it was as easy to get erroneous debt and CR information off as it was to get it on there? What are my next steps? Ive been told that just getting it removed from the creidt reports doesnt do much as they will re-sell the debt and put it right back on there under a new CA's name (which im told is one of the shady tactics this particuarl agency uses, selling it back and forth between the various names they do business under)

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A timely DV precludes the creditor from continued reporting until they give you a proper response. 

Not sure about a fraud report, but I suppose it would be a viable option.  Another option would be to sue the CA in small claims court for FDCPA violations.

[RobertEG]

In my opinion, THE course of action to pursue now is to post an identity theft block on this disputed debt.

I know that very title of asserting "identify theft" is a bit intimidating, legally,, but that name really is a misnomer.

All it really means is that you are willing to assert that the information posted is "not information relating to any transaction by the consumer."  You are not really alleging theft or any criminal action by anyone.  You are just saying it is not yours.

You can do it in two very simple, and very painless steps.

First, you must go to your local police station a file an allegation of possible identifty theft by improper reporting to your credit report that you did not authorize.

They will just record what you have to say.  You dont have to "prove" anything.  Once they record your complaint, you just have to sign the police report, and get a copy from them. 

By signinbg the police report, you subject yourself to criminal prosecution if anything you say therein is knowingly false.  That is your only legal peril.  It then becomes a legal document that you can use.  The FCRA calls this police report an "identity theft report" under FCRA 603(q).  It is just your police report.

Second, we turn to step two.  That is the filing of a letter with the CRA under FCRA 605B requesting that all information relating to this matter be blocked from any further inclusion in any credit report they issue.  In that letter, you must only provide proof of your identity, a copy of the police/identity theft report, and the simple statement that "the informtion is not informtion relating to any transaction by the consumer."   FCRA 605B(a)(4).

That is all there is too it.  One qucik visit to your police station, and one letter to the CRA.

[terren2000]

thanks.