I've followed the instructions in the forum to sen

I've followed the instructions in the forum to send a debt verification letter to a collection agency.

They did not send me a verification by 30 days, and they also did not provide sufficient proof that they owned the debt. They only provided me with the following: original institution, original account number, reference number, open date, charge off date and the balance.

Is this information enough to verify the debt? If not, how do I contact credit agencies (experian, etc) to let them know that this record on my credit report is false?

Thanks in advance for all of your help.

1 Answers

They are not required to send it to you within 30 days....they just cannot collect until they do so.

What proof did you ask for?  They technically fufilled the FDCPA requirement for debt validation.

They are NOT required to send you half of the stuff that is listed on the forum sample letter.

Who is the CA and who is the original creditor.

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com/statute-of-limitation.html

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