I have 2 medical collections showing up on my reports one for $79 ad the other one is $109.55. I sent a letter asking the CA to validate and this is what I got back from them.
Dear Xxxxxxxx
We are in receipt of your letter concerning the above listed account(s). After thorough research and review of available data pertaining to this account, we confirm that the debt being demanded from you is what the creditor is claiming. In order to obtain further information in regards to this debt, it will be necessary for you to contact XYZ Medical Center directly. Blow for you convenience as well as for verification purposes, is the name and phone number of the original creditor.
XYZ Medical Center
123 Tree Street
Long Beach, WY 12345
Pursuant to Section 809(b) FDPCA, this letter serves as verification of your debt.
If you have any further questions, please do not hesitate to call (555) 655-1234 to speak t a dispute representative.
Thank you,
Sally Stupid
Operations Manager
Pursuant to Section 807 (11) FDPCA, this communication is from a debt collector and is an attept to collect a debt. Any further information will be used for that purpose.
This isn't validation is it?
What now as I am confused I do know that it says "[i]FDCPA Section 809. Validation of debts [15 USC 1692g]
If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
I didn't asked for the original creditors address but that is what they sent to me.
This is what I asked for
What the money you say I owe is for;
Explain and show me how you calculated what you say I owe;
Provide me with copies of any papers that show I agreed to pay what you say I owe;
Provide a verification or copy of any judgment if applicable;
Identify the original creditor;
Prove the Statute of Limitations has not expired on this account
Show me that you are licensed to collect in my state
Provide me with your license numbers and Registered Agent
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau’s (Equifax, Experian or TransUnion) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following:
Violation of the Fair Credit Reporting Act
Violation of the Fair Debt Collection Practices Act
Defamation of Character
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
So now which letter do I follow up with? Time is running out and I don't want to mess up. Thanks in advance for your help!
