I sent a full media DV letter to a CA and got my media back in the mail. There are copies of statements from the account, which was a checking account. The statements show one paid check, followed by several dozen nsf charges, bringing the balance to negative 900, which is the amount on the CA.
All the CA sent was the statements along with a report that states
"NSF Payments Report"
It lists several creditors and has names, along with amount paid. None of them are my name, and the account numbers listed are not mine.
So while they did give me statements of my account, they did not send anything showing that they are authorized to collect in my state, or that they were assigned or purchased the debt for collection.
On the cover sheet for what they sent me I was given 4 options
1. You are disputing the entire balance
2. You are disputing this account dur to fraud
3. You are disputing a portion of the debt, if so please provide the amount
4. You agree with the debt, if so please contact our office to speak with one of our agents.
My questions are, should a. Go directly to BofA to try and get this cleared up? B. Resend DV letter showing that they did not provide what I asked for? or C. Choose their option and dispute a portion of the balance, which in this case is about 90% of what they are asking