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Collection Reported - 1/9/2019

vntrsc
Frequent Contributor

Re: Collection Reported - 1/9/2019


@Fx6cowboy wrote:

@AyCaramba wrote:
This is the name: Professional Bureau of Collections
Open Date: 1/9/2019
Amount: $218

Just as everyone is saying, you should send a DV letter directly to this collector. Have you done so yet? They may have sent you a dunning letter to your address or an older address of yours. After not answering they assumed the debt as yours. 

 

I am sure contacting them to send you information in writting is your best action. But make sure you do not admit to anything over the phone. As Robert said above, per section 623 of the FCRA - no information can be reported to the CRAs if they know the information is or could be inaccurate.


The OP’s right to request validation has not yet been triggered because there has been no initial communication and no notice of his 30-day right to make the request.  

Message 11 of 13
DebtJoe
Regular Contributor

Re: Collection Reported - 1/9/2019


@vntrsc wrote:

@Fx6cowboy wrote:

@AyCaramba wrote:
This is the name: Professional Bureau of Collections
Open Date: 1/9/2019
Amount: $218

Just as everyone is saying, you should send a DV letter directly to this collector. Have you done so yet? They may have sent you a dunning letter to your address or an older address of yours. After not answering they assumed the debt as yours. 

 

I am sure contacting them to send you information in writting is your best action. But make sure you do not admit to anything over the phone. As Robert said above, per section 623 of the FCRA - no information can be reported to the CRAs if they know the information is or could be inaccurate.


The OP’s right to request validation has not yet been triggered because there has been no initial communication and no notice of his 30-day right to make the request.  



As the previous poster mentioned, a letter could have been sent to an old address. Once that happens, the clock starts ticking......they don't care if the letter was read or thrown in the trash.

8/1/2018 FICO Scores:

4/28/2021 FICO Scores:
Message 12 of 13
vntrsc
Frequent Contributor

Re: Collection Reported - 1/9/2019


@DebtJoe wrote:

@vntrsc wrote:

@Fx6cowboy wrote:

@AyCaramba wrote:
This is the name: Professional Bureau of Collections
Open Date: 1/9/2019
Amount: $218

Just as everyone is saying, you should send a DV letter directly to this collector. Have you done so yet? They may have sent you a dunning letter to your address or an older address of yours. After not answering they assumed the debt as yours. 

 

I am sure contacting them to send you information in writting is your best action. But make sure you do not admit to anything over the phone. As Robert said above, per section 623 of the FCRA - no information can be reported to the CRAs if they know the information is or could be inaccurate.


The OP’s right to request validation has not yet been triggered because there has been no initial communication and no notice of his 30-day right to make the request.  



As the previous poster mentioned, a letter could have been sent to an old address. Once that happens, the clock starts ticking......they don't care if the letter was read or thrown in the trash.

That would be assuming a possibility that the notice had been sent to a wrong address within the last 30 days.   I don’t think DV requests are usually sent just in case a notice was sent to a wrong address.  If no notice has been sent because no initial communication was made, the request places no cease communication requirement on the collector.  

Message 13 of 13
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