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I sent out a DV letter to a CA claiming I owe Sprint money. I asked them to validate the debt per "Texas Finance Code Section 392.202." And the ONLY thing sent me was a copy of a sprint bill! I do not feel this is adequate validation. Can someone please advise on what my next step is here? Do you feel this validation suffices??
@Superman85 wrote:I sent out a DV letter to a CA claiming I owe Sprint money. I asked them to validate the debt per "Texas Finance Code Section 392.202." And the ONLY thing sent me was a copy of a sprint bill! I do not feel this is adequate validation. Can someone please advise on what my next step is here? Do you feel this validation suffices??
If the sprint bill has your name, address, the amount owed to them, etc., then it is likely valid because it would show that you owe sprint, though honestly it sounds like there is some missing context. If you do not remember opening an account with sprint and believe you are a victim of ID Fraud then what you should do is file a police report, submit that to the CRA (which they will put a fraud alert on your report), and submit it to sprint and the CA and proceed from there. If this isnt a matter of fraud or you already paid sprint, you would have to contact sprint directly with your proof.
The Texas Finance Code considers a response to be adequate under section 392.202(b)(1) if they simply provide "a written statement denying the inaccuracy." There is no documentary or proofs requirement, only a statement of denial of inaccuracy of the collection/debt.