Help! Debt validation sent in October only now getiing a response

[Anonymous]

I sent a validation letter out on Oct 20th and it was for a cellphone I never had. I sent it within the 30 days validation period.Today they send me copies of the transactions but no contract with my signature. It has been more than 30 days that they responded, can they still report this? Can I send a cease & desist letter since they didn't respond within the 30 days and they have no contract with my signature?

[Anonymous]

FDCPA does not require them to respond within a set time frame, in fact they don't have to respond at all.

However, they can not continue collection activities once they receive a DV request until they answer.

What did they send for DV?

[Anonymous]

its a copy of phone transactions but no contract showing my signature stating this is my contract. So why is it the debt validation letter states they have 30 days to respond?

[Anonymous]

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mnegron1969 wrote:
its a copy of phone transactions but no contract showing my signature stating this is my contract. So why is it the debt validation letter states they have 30 days to respond?

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Because whoever wrote the DV letter example you used decided that they wanted to put that in there is the only good reason I can give you.

Per FDCPA, they must show "proof of debt" and name/address of the OC, if requested.

It seems the problem lies with the OC and possible ID theft, not the CA misidentifying you.

I would be contacting the OC and try starting there to get this resolved.