bearcubbery

Thanks for the clarification. Though they claim its a minimum requirement, not their right? I will pursue further DV. Most I have gotten from them was a bunch of statements, much of which I have never seen, but when I asked for a signed contract, they sold the account a month later :-/ and never responded.

Alright, I've got a negative account with Chase Bank, which was an account they purchased from another bank when it was already closed. The date of first delinquency was June 2007. They claim a charge-off of January 2008 and then sold the account 1 year later to ASTA. I performed a validation on them to which they sent a letter claiming attached were three statements, which was only the letter. So then I sent them a letter saying they failed to verify and under Florida Statues, the SOL has been exceed (4 Years), and their re-verification constitutes a violation. Their response was "We charged it off to ASTA, We cannot delete it as they must be reported for a minimum of 7 Years". What should be my next response to Chase? Do I contact Executive Relations about the 7 year claim, do I file suit, do I threaten suit? This ASTA company I have never heard of, and have never been contacted by. The total they charged off was $2,500. Thanks in advance for any recommendations!

Any direction on this would be much appreciated . My medical debt incurred from a surgery where there was a dispute with my Insurance company and the doctor. Insurance company ended up claiming that I was not to pay the doctor, doctor claimed otherwise. It's been a big mess. It's over a small amount, $250. When I called the doctor's office about this to resolve it outside of the debt collectors, they said they cannot instruct QCS and they don't even have all the records on my account. The account is owned by QCS, who I tried doing a Pay for Delete, but no luck. They don't do that either. I performed a validation to which they supplied only a line item from their system, and then a line item from the doctor. No contract, no other agreement whatsoever. 02/2012 is the 4 year SOL on the account. I just want it removed, whether its paid to be removed or not so its one less thing standing in the way of getting a new car loan.