This letter was sent concerning a paid collection that I only learned of the account by accessing my credit report last year, way before CB and AOC.
February 10, 2006 Scumbag CA
Attn: Scubag CA President
RE: Account: Dear Mr. Scumbag CA President:
I dispute your claims in their entirety and request validation pursuant
to the FDCPA. In addition I would like to inform you that as of this
date I have yet to receive any response regarding the request for validation
from your company since my February 2005 letter. In as much as, I never
received any previous notification from your company regarding this account
prior to obtaining a copy of my credit reports in February 2005, in which,
it was promptly paid. That is, I seek unequivocal proof that I was legally obligated to pay this debt,
and that you were legally entitled to collect it as the account was paid on February 2005. If this information is unable to be provided I demand an immediate deletion within (10) days
regarding this account from all agencies on my credit report, furthermore, I am requesting a
letter from your company informing me of the deletions.
Please communicate with me only in writing at the address listed above, as it
is inconvenient to receive calls.
original signed on file
Now here is the letter I received from the scumbag CA attorney.
March 4, 2006
Dear Honest Consumer:
I write at the request of our client, Scumbag CA, who has forwarded your letter dated February 10, 2006 to us for response.
Our clients records show that the validation notice on the subject account was mailed to you on June 21, 2001; thus, the validation of debt period under 15 USC Section 1692g( has expired.
Scumbag CA has reported your account as disputed to all credit reporting agencies to which it subscribes. There appears no principled basis upon which to adhere to your request to delte the questioned rating.
To the extent that this is a communication with regard to debt collection, we are required to recite that this is an attempt by a debt collector to collect a debt. Any information obtained will be used for that purpose.
Please let me know if you have any questions or concerns.
Over priced, under paid well known attorney
Here is how this account with this scumbag CA is currently being reported.
Date Reported: 04/2005
Date Assigned: 06/2001
Creditor Classification: Utilities
Creditor Name: xxxxxxxxxxxxxxx
Accounts Number: XXXXXXXX
Account Owner: Individual Account.
Original Amount Owned: $XX
Date of 1 st Delinquency: 01/2001
Balance Date: 04/2005
Balance Owned: $0
Last Payment Date: n/a
Status Date: 04/2005
Status: P - Paid
Comments: Consumer disputes - reinvestigation in progress
Account Number: XXXXXXXXXXXX
Status: Paid,Closed/Collection account.
Status Details: This item was verified and updated on Feb 2006.
Date Opened: 06/2001
Reported Since: 02/2006
Terms: 1 Months
Date of Status: 02/2006
Monthly Payment: $0
Credit Limit/Original Amount: $same as paid amount
High Balance: NA
Recent Balance: NA
Original Balance: $XX
Date Opened: 06/01/2001
Date Reported: 02/23/2006
As well as not receiving validation at any time and that they did not send to the correct address, since it was never received they make it appear that it is a recent account and not paid in 2/2005. To think all of this and all I wanted was proof that it was mine and not as a result of the idenitiy theft I have been the victim of. Please help with responding to this lower than life pond scum sucking scumbag CA attorney.