Forgive me if this is covered else where, I tried searching for it to no avail. But I still need help! I was recently --letter dated 12/6 --contacted by MCM stating I owe a debt blah blah past SOL, can't sue...I am not 100% sure what they are trying to collect, as I have a rough history. Currently I'm trying to rebuild so I have the opportunity to get a home in the future. In response to their notice of "attempt to collect a debt" I sent the following (certified, signature required, return receipt):
" I am writing to request validation for this debt. I am not sure who “Fia Card Services, N.A.” is, nor am I familiar with an account number of XXXXXXX, nor am I aware of owing any creditor a balance of $XXXX.XX. I am disputing this debt because I believe it does not belong to me. I am also requesting that your office only contact me through writing. Thank you. "
At the time of this letter, sent 12/26 - received 1/3, this account was not on my report. I have not heard back from them at all regarding this account. Now today, 1/23, I get an alert that the account has been added to my report!?!?!
It is showing as "consumer disputes this account information" but I thought they weren't allowed to report it at all if I got to them within the 30 day window- unless they provided validation? Someone please help me understand. Thank you!
