Debt validation?

[907grown]

Got a collection notice for something from 2010, don't think it's mine. Sent a debt validation on April29th, two days ago, I got a response from the collection agency. 

"Status update, please be advised, this notice will serve as a credit report alert that adverse information is scheduled to be reported to a credit bureau(s). To avoid this reporting immediate attention is needed. This is an attempt to collect a debt. This communication is from a debt collector. If you have questions or concerns please call and we will work to resolve this matter."

I sent them the standard DV letter; prove it, prove you can collect in my state, don't call me, etc.

should I call them or send another DV?

[907grown]

Dear Sir or Ma’am

I am sending you this letter in response to the notice you sent me 3/30/2014, your attempt to collect a debt from me.

This is not a refusal to pay.  It is a notice that I am disputing your claim and requesting validation under the Fair Debt Collection Practices Act, 15 U.S.C. § 1692g(b).  Pursuant to the FDCPA, you must (a) provide the requested verification before continuing collection activity or (b) stop all collection activity.

This is a request for validation of the debt under the above provision of the FDCPA.  This is not a request for mere verification or proof of my mailing address.

I request that you provide me with all competent evidence that I have a legal obligation to pay you, including, but not limited to:

•

What the debt you say I owe was for (credit card, consumer loan, etc.);

•

A calculation of all amounts you say I owe;

•

Copies of any documents showing that I agreed to pay what you say I owe;

•

A copy of any judgment against me, if you have one;

•

Proof that the statute of limitations has not expired; and

•

Evidence that you are licensed to collect debts in my state.

Until you have provided the above evidence to validate the debt, you may not continue collection activity, and you may not contact me.

If anyone from your office has reported any negative information to any credit reporting agency (e.g., Equifax, TransUnion, Experian, or CSC), you must now report that information as disputed under 15 U.S.C. § 1692e(8).

If you provide the requested documentation, I will require at least 30 days to investigate the information you provide.  During this time, you must cease collection activity.  Do not report negative information to the credit bureaus during this validation period.

If your office does not respond to this validation request within 30 days, all references to this account must be deleted from my credit reports and completely removed from my credit file.  Send a copy of any such deletion request to me.

Finally, do not contact me by telephone.  All future communication with me must be in writing, sent to the above address by mail.

Thank you,

[907grown]

The above is the letter that I sent them.

[Whitneyy]

You're not supposed to use the word dispute anywhere when doing a DV.

[Shogun]

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@907grown wrote:

Dear Sir or Ma’am

I am sending you this letter in response to the notice you sent me 3/30/2014, your attempt to collect a debt from me.

This is not a refusal to pay.  It is a notice that I am disputing your claim and requesting validation under the Fair Debt Collection Practices Act, 15 U.S.C. § 1692g(b).  Pursuant to the FDCPA, you must (a) provide the requested verification before continuing collection activity or (b) stop all collection activity.

This is a request for validation of the debt under the above provision of the FDCPA.  This is not a request for mere verification or proof of my mailing address.

I request that you provide me with all competent evidence that I have a legal obligation to pay you, including, but not limited to:

•

What the debt you say I owe was for (credit card, consumer loan, etc.);

•Not required

A calculation of all amounts you say I owe;

•

Copies of any documents showing that I agreed to pay what you say I owe;

•Not required

A copy of any judgment against me, if you have one;

•

Proof that the statute of limitations has not expired; and

•Not required

Evidence that you are licensed to collect debts in my state.

 Not required

Until you have provided the above evidence to validate the debt, you may not continue collection activity, and you may not contact me.

 Only if timely from their dunning notice.

If anyone from your office has reported any negative information to any credit reporting agency (e.g., Equifax, TransUnion, Experian, or CSC), you must now report that information as disputed under 15 U.S.C. § 1692e(8).

 Only if timely from their dunning notice

If you provide the requested documentation, I will require at least 30 days to investigate the information you provide.  During this time, you must cease collection activity.  Do not report negative information to the credit bureaus during this validation period.

 Only if timely from their dunning notice

If your office does not respond to this validation request within 30 days, all references to this account must be deleted from my credit reports and completely removed from my credit file.  Send a copy of any such deletion request to me.

 Not required

Finally, do not contact me by telephone.  All future communication with me must be in writing, sent to the above address by mail.

 Doesn't work this way...  There is either contact or no contact.  You can't pick and choose.  You can advise them if you aren't allowed to be contacted at work, but that's it.  You either send a Cease and Desist or you don't.

Thank you,

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