I sent ARS Account Resolution a timely DV letter. this is the body of the letter.
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To Whom It May Concern:
I am sending this letter to you in response an item your company has placed on my credit report. Today 3/28/2013 was the first time I have become aware of this alleged debt. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.
This is NOT a request for "verification" or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following:
- 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; and
- Provide me with your license numbers and Registered Agent.
If your offices have reported invalidated information to any of the three major Credit Bureau's (Equifax, Experian or TransUnion), said 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
I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter.
This is an attempt to correct your records, any information obtained shall be used for that purpose
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I got a one page response that said this.
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As you are already aware, ARS represents the doctors who provide services for healthcare facilities throughout the country. In respone to you request for verification of debt we have listed the information below. ARS has confirmed the oustanding balance of 471.00. This past due amount remains outstanding from services provided on the following dates:
Service invoice# original Current
Date: xxxxxxxxxxxxx Balance: Balance CBR#
10/02/08 $471 $471 xxxxxxxxx
The account(s) are delinquent and may have been reported to the credit bureaus.
Please remit payment in full to the adress shown above.
Best regards,
Judy Oberman
Director
* This is a attempt to collect a debt any information obtained will be used for that purpose*
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Sorry for the long post just wanted to give as much information as possible. I have never had any dealings with the original creditor or this collection agency.My State is louisiana this debt IS NOT out of the 10 year SOL. How should I go forward handling this situation?
