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hi i have a charge off with BoA and i sent a DV i just recieve a letter from them stating..
of course its paid in full
dear "cyberone28:
Wereceived your inquiry regarding the accuracy of your information being reported to the credit reporting agency.
You have requested that we validate your debt.While we are NOT subject to the validation of debts requirements under the federal Fair Debt Collection Practices Act when collecting our own debts,
Our records show the debt in connection with your account is valid.
if you wish to dispute the completeness or accuracy of any specific information in your credit bereau report please indentify the information you believe is incomplete or inaccurate. Please provide supporting documentation including your full account number and a copy of the complete credit report with the specific disputesection underlined or circled. you can also include any additional information you would like us to consider please send the documents to our fax at xxxxxxxx or return them in the enclosed courtesy reply envelope
please be advised that we will not respond to further correspondence regarding this matter unless the correspondence contains additional information not alredy presented in your previous letter.
ANY ADVISE WHAT TO DO NEXT?
Starting Score: 462 DV letters are not for the OC but for 3rd party collection agencies.
Do you not agree that this is your debt or something about it is incorrect?