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What identifying info to include in DV?

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rckstrscott
Valued Contributor

Re: What identifying info to include in DV?


@NWintellectual wrote:

I just checked. Thanks.

 

So for them just send an email attachment?


I literly just sent an email to the first two contacts on there,  basically saying I am unaware of this debt and I am looking for more information on it. Some people have used the CFPB to do similar, since they rarely respond to DVs anyway...

 

There are literally dozens of people on this forum who got EOS-CCA removed by either those email contacts,  CFPB or BBB. They are a light touch.

 

-scott

Starting FICO Score: October 2010: TU 498 | EQ: 502
Current FICO Scores:: May 2022: TU: 784 | EQ: 770 | EX: 790
Message 11 of 13
NWintellectual
Regular Contributor

Re: What identifying info to include in DV?

Awesome. Emails sent Smiley Happy

 

Thanks Scott, you are a rockstar!!!

Starting Score (2/15/14): TU 533 (myFICO) | EQ 509 (myFICO)
Latest score (4/5/14): TU 541 (Lender) | EQ 562 (SW) | EX 576 (myFICO)
Goal Score by 9/30/14: 620+ | Goal Score by 6/30/15: 700+
-----
My wallet:
US Bank LanPass Secured $500 | US Bank HD Secured $300 | Fingerhut $200 | Local CU $1000
Message 12 of 13
Anonymous
Not applicable

Re: What identifying info to include in DV?


@rckstrscott wrote:

@Anonymous wrote:

@rckstrscott wrote:

@Anonymous wrote:

That letter is asking for things a CA simply does not have to supply you.

 

A DV should be a simple letter:  You are collecting on this alleged debt, account #______.  Per FDCPA 809, please validate.  Also include the name and address of the original creditor and an itemization of the debt.

 

Don't send them anything else, not even a copy of your CR.  It is there job to validate the debt, not yours.


I often wonder how many times, since 2008, that Guiness has responded to someone about that convoluted internet DV and how it asks for things not required to be provided.... Smiley Happy

 

(i dont really often wonder, I suppose I just wondered now lol)

 

-scott


2008?  Why that date?

 

But, many, many lol.


Oh just because you registered in 2008 haha

 

I should have said "Since Guiness first corrected me in 2011, I wonder how many....'

 

-scott


Oh duh!!!

 

For some reason I was thinking I registered in 2006 lol. 

Message 13 of 13
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