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What next if CA can not provide DV?

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Red1Blue
Super Contributor

What next if CA can not provide DV?

Ok, we ask for DV with CA and CA is unable to provide or does not respond to DV, what do we do next? What is that we have to do with CRA to get the negative item removed? What kind of document do have to provide to CRA that CA is unable to Validate the Debt?
Message 1 of 5
4 REPLIES 4
Anonymous
Not applicable

Re: What next if CA can not provide DV?

Company
Address 1
Address 2
City, State Zip

Date

RE: Account XXXXX-XXXX-XXXXX

Dear Sir/Madam:

 

I'm sure you know, under FDCPA Section 809 (b), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity.

 

As of ( DATE that they received your letter) You have refused to validate this debt.Therfore you are in violation of FDCPA.

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA.

I look forward to an uneventful resolution of this matter, as this debt was PAID in FULL (year)

 

I request that all contact with me be in writing, and only when you can provide adequate validation of this alleged debt. To refresh your memory on what constitutes legal validation, I am giving a list of the required documentation:

  • Complete payment history, the requirement of which has been established via Spears v Brennan 745 N.E.2d 862; 2001 Ind. App. LEXIS 509 and
  • Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor.
  • Letter of sale or assignment from the original creditor to your company. (Agreement with your client that grants you the authority to collect on this alleged debt.) Coppola v. Arrow Financial Services, 302CV577, 2002 WL 32173704(D.Conn., Oct. 29, 2002) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain: The source of a debt and the amount a bad debt buyer paid for plaintiff's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt.
  • Intimate knowledge of the creation of the debt by you, the collection agency.

As you are already in violation, I expect all reference to this account be deleted from my credit report, as this entry and any update of such entry will be considered another violation.

 

Thank You,

TYPE YOUR NAME.....DO NOT SIGN

 



Message Edited by Lady_Scarlet on 12-08-2007 12:41 PM
Message 2 of 5
Red1Blue
Super Contributor

Re: What next if CA can not provide DV?

Hi Scarlet, I understand what you posted is the request for the DV. What if the CA does not provide the DV and does not remove  the entry from CR. What do we do next?
Message 3 of 5
Anonymous
Not applicable

Re: What next if CA can not provide DV?

Actually, it is 'reminder' to the CA that they have not validated and without validating they are in violation and telling them to rmeove it.
Message 4 of 5
Anonymous
Not applicable
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