Debt validation?

Question

I requested a debt validation to a collection agency that is trying to collect on a debt that was paid in 2001. I am unable to find proof of this because of how long ago it was. The validation was minimal and almost none of the information I requested was in what I received. What are they required by law to provide you with when a validation is requested.

This has not been reported on my credit. I did request a validation but I only received minimal information. Almost all the information I requested in the validation was not sent. Here is what I requested... * What the money you say I owe is for;
* Explain and show me how you calculated what you say I owe;
* Provide me with copies of any papers that show I agreed to pay what you say I owe;
* Provide a verification or copy of any judgment if applicable;
* Identify the original creditor;
* Prove the Statute of Limitations has not expired on this account
* Show me that you are licensed to collect in my state
* Provide me with your license numbers and Registered Agent

Answer 1

They are required by law to provide you with a copy of the contract you signed for services, nothing more.

Answer 2

the law states that the credit bureaus have 30 days to validate a debt with the collector. If the collector tells them that the debt is open and unpaid that is all they are required to do It will remain on your report. After you have gone this route and you can dispute it until the cows come home if you like, you will have to deal with the agency reporting the debt. There is a really dumb letter you can write and ask them to prove the debt is unpaid by providing you with the cancelled check. I know what I wrote and it is what I meant. Once the dispute is gone through you can again challenge it with the correspondence between you. You do not have to take additional calls on the account as you open the dialog they will begin to call you. There is no law that requires these agencies to exist and you do not have to talk to them, send them a cease and desist letter if you have to. You will have to go back and figure out how you paid the debt and the proof. From now on, make copies of money orders, or bank drafts, never send cash. Good Luck.

Answer 3

If all the info was not provided they are suppose to remove it off their report.
What type of info did you request? Did you send it certified mail? Here is a copy of whychats sample letter from creditboards.com . They have really useful
information.


LETTER TO COLLECTION AGENCY
COLLECTION AGENCY VALIDATION/DISPUTE/CEASE AND DESIST
Use this IN IT'S ENTIRETY. DO NOT call them .
Use this letter and the included form to make the agency verify that the debt is actually yours and owed by you. Keep a copy for your files and send the letter registered mail return receipt requested.
Your Name
123 Your Street Address

Your City, ST 01234


ABC Collections

123 NotOnYourLife Ave

Chicago, IL

Date: _________ CRRR#____________

Re: Acct # XXXX-XXXX-XXXX-XXXX

To Whom It May Concern:

This letter is being sent to you in response to your attached letter.
(If you have nothing in writing use the phrase "recent communication)

This is not a refusal to pay, but a notice that your claim is disputed.

Under the Fair Debt Collections Practices Act (FDCPA), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt.

Your legal staff will agree that compliance with this request is required under the laws of (State name) and Federal Statutes.

In addition to the questionnaire below, please attach copies of:

Agreement with your client that grants you the authority to collect on this alleged debt,or proof of acquisition by purchase or assignment.

Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities.

I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim.

In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities ,the BBB and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion .

I also hereby reserve my right to take private civil action against you to recover damages.
Sincerely,

Your Name(PRINT OR TYPE DO NOT SIGN)
-------------------------------------------
Debt Validation Form
Questionnaire to be returned :
Account #: ____________________
Original Creditor's Name: _________________________________
Name of Debtor: ______________________________________
Address of Debtor: ___________________________________
Balance of Account: __________________________________
Date you acquired this debt: _________________________
This Debt was: assigned ___purchased___
Please indicated any credit bureaus to which you have reported on this account:
Experian ______
Equifax ______
TransUnion _____

Answer 4

I'm not sure what they have to provide. I will give you one piece of advice. any time you settle a debt that was past due, keep a copy of the Cashier's check and the settlement letter until your heirs die.