melijane

Thanks WhyChat. Sorry I made an error stating it was on credit. It was not. It is just a letter to which I sent the medical DV and got a response as described above. Sorry for the confusion

I have opted out and deleted old addresses. I sent them a validation letter as per your process. This was not on his credit. Just a letter we received.

I followed Whychat's Hippaa process and sent the first letter, then received this letter in reply Acct# Client(OC) Amount We have verified that you have the capability to pay the balance on this account. Call our office immediately to take care of this matter. I know that is not legal validation of a medical debt. What are my next steps? They already verified this tradeline through a dispute on my husbands credit. They also have his name spelled wrong..anything I can do with that?

Gdale-that is the letter I sent the HIPPAA letter. I also opted out and deleted old addresses.

I just received a validation letter that states: Acct# Client(OC) Amount We have verified that you have the capability to pay the balance on this account. Call our office immediately to take care of this matter. I know that is not legal validation of a medical debt. What are my next steps? They already validated through a dispute on my husbands credit. They also have his name spelled wrong..anything I can do with that?

There was a negative tradeline deleted as a result of dispute off of TU and EX, but not EQ. That was the title;)

What should I do about that? Can someone point me in the right direction?

What should I do about that? Can someone point me in the right direction?

Great, thanks. These are student loans so wish me luck.

Just wondering if accounts reporting with no DOLA might be an argument for deletion?

I disputed some things on my report online. I am getting emails from Experian stating they need copies of my DL, utility bill and SS card to process and that any of this info might be provided to reporters (Tradelines on my report I guess) I do not want to do this and already verified my ID when obtaining the report through the series of questions they ask. Can anyone tell me if I need to do this?

You do realize they are breaking a few federal laws and probably some state ones. First-they cannot come to your home! Second-They cannot threaten to "garnish your wages." They would have to have a judgement to do that which entails them taking you to small claims. I would send them a cease and desist letter first. And get rid of this loan as quickly as possible!

Oooh just found this in my state statute. Think I might have em!“Reasonable verification” must include documentation of the name of the original creditor, the name and address of the consumer debtor as it appears on the original creditor’s records, the original account number, a copy of the contract or other document evidencing the consumer debt, and an itemized accounting of the amount claimed, including all fees and charges. N.C. Gen. Stat. § 58-70-115(5).

Also one thing I just realized, they do not have the statement that I have 30 days to dispute the debt. I did dispute the account with the CRA's, then they sent me a letter saying they are in receipt of my letter. I actually never sent them a letter. The need for the 30 days statement to be included in the first communication is pretty clear in FDCPA. Should I go that route?

True^ Opinion letters have expanded on that a bit and some court cases(though there are others that have said just what you did.) I am sort of leaning nutcase here and hoping they just will not want to deal with it!