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Hello everyone, I am writing because I am just a bit confused as to what I should do next. I have two debts with the same company. I sent off two different validation letters to EOS CCA for two different debts. For one of the validation letters for a century link account, they sent back a settlement offer rather than validation. I have yet to receive response from the second acct, so hopefully they just remove it. But long story short... They "claim" that I owe 172.88. Rather than send validation back, they sent a letter stating they are willing to settle this debt for $69.15. That is a wonderful offer and I am willing to pay the amount. Now to my problem. I do not want to pay the amount and the item is still on my credit report because in reality I believe that they cannot validate this item. I am unaware if I should push for validation or send my own PFD. I am willing to pay the amount only if it is removed. Can someone please give me there input on what they think I should do?

Hi there, I am looking for help on what to do for a Bank of America credit card account that was charged off in December 2012. If I remember correctly, I actually paid this account off in full, but I don't remember for sure as I had a number of credit cards in bad states at that time, so one may have actually been charged off. The status is "Closed. $1,992 written off." The comment says, "Purchased by another lender." I do not recall ever being contacted by a JDB for this account, but it may have been them that I eventually paid off in full. Though I would have thought that would have been much earlier than late 2012 or early 2013. The first month reported for this TL on my credit report is Septemeber 2009, and it is clean until January 2011. The following negative items appear from that date: 1/11 - 30 7/11 - 30 12/11 - 30 3/12 - CLS 4/12 - CLS 5/12 - CLS 6/12 - 30 7/12 - 60 8/12 - 90 9/12 - 120 10/12 - 150 11/12 - CO 12/12 - CO I do not recall getting any notices in 2012 or thereafter. Anyway, I am guessing I need to send a validation letter. Let me know if that is incorrect. But, if it is correct, can someone point me in the right direction? I would be grateful for a sample letter. I will of course not use said letter, but it would be nice as a starting point to get my bearings and craft a letter to my specific situation. Also, how do I need to send that? Certified mail return service requested? Any help in getting started with this negative TL is most appreciated. Really, I could use step by step instructions or a link to where to find them. Thanks!

So, first of all, hello! I've been reading up on things here for a while now and just recently decided to join and start posting. You seem like a great bunch and I am excited to get started with using all the knowledge everyone here has provided. My name is Amanda, I am 28 years old and live in New Hampshire. I have been married for 6 years to my husband Jason. Due to being young and niave and overly trusting of my ex my credit was trashed. Prior to meeting me, my husband didn't have any credit. The only thing on his report was an old Cap One card that his mother put him as an Authorized User on. It was stolen shortly after opening. Over the years there have been medical bills that wound up in collections, and aparently an electric bill (though I thought we had it payed off before we moved). Last September I signed us up on Credit Karma and decied to work on improving and building credit. I decided that it would be much easier to focus on his and that is what I have been doing. Until now I have only focused on opening accounts and establishing some good history. This has worked rather well and brought his score up over 100 points on its own. He is now sitting at 624. Now that we have decided we want to go for a USDA loan, I need to deal with the collection accounts. USDA requires that all collection accounts have payment plans set up. Unfortunatly, we are already near the limit for our DTI ratios so I need to get at least some of them removed entirely before proceeding. So, after doing my research here, I have come up with, and tweaked a million times over, a plan of attack. I wanted to create a thread to log my progress, and also to get feedback and answers to a few questions. So here goes. Below I will list the current status of the credit reports, followed by my plan of attack, and lastly my questions and concerns. Current Credit Status Score: 624 Open Accounts: (I am already aware now that I didn't make the best decisions in opening all of these, so please do not lecture) Account: Capital One Platinum Secured (Partially Secured) Limit: $200 Opened: June 2013 Interest Rate: 22.9% Annual Fee: $29 Rewards: None Lates: None Notes: -------- Account: Fingerhut Limit: $500 Opened: Oct 2013 Interest Rate: 24.9% Annual Fee: $0 Rewards: None Lates: N/A Notes: NEVER USED. Every time I look at things I decide the financing charges and outrageous shipping make it not worth it. -------- Account: Capital One Quicksilver One Limit: $500. (Opened at $300, then giving a $200 CLI with the Credit Steps program) Opened: June 2014 Interest Rate: 0% Introductory rate. 12 months I believe, then probably 22.9% Annual Fee: $39 Rewards: 1.5% Cash Back on everything. Lates: None Notes: -------- Account: Credit One Limit: $500 Opened: Sept 2014 Interest Rate: 19.9% Annual Fee: $45 Rewards: 1% on Gas Lates: None Notes: I will probably call a month before the aniversary and ask to waive the annual fee, increase limit to $1000, or lower interest rate, and if none can be done will close the account. -------- Account: Walmart Credit Card Limit: $400 Opened: Dec 2014 Interest Rate: 22.9% Annual Fee: $0 Rewards: Special Financing Available, 5¢ off of their gas pumps (but we dont have any here) Lates: N/A Notes: Closed Accounts: Account: Capital One Limit: $1000 Opened: Feb 2005 Closed: Mar 2005 Lates: None Notes: Listed as Authorized User. Card Stolen. Collections: CA: Marcam Associates OC: Med1 Spear Memorial Hospital Balance: $919 Opened: July 2013 Closed: ---- Last Reported: Sep 2013 Remarks: Placed for Collection Notes: Unknown ER visit. Showing on: Trans Union only ---------- CA: Marcam Associates OC: Med1 Spear Medical Associates Balance: $252 Opened: April 2013 Closed: --- Last Reported: July 2013 Remarks: Placed for collection Notes: probably a lab fee. Showing on: Trans Union only ---------- CA: Marcam Associates OC: Med1 Spear Medical Associates Balance: $125 Opened: Oct 2012 Closed: --- Last Reported: Jan 2013 Remarks: Placed for collection Notes: He is pretty sure this was for the PT consult when he broke his hand. It was supposed to go to insurance but turns out employer lied about when insurance became active and it was not covered. Showing on: Trans Union only ---------- CA: Marcam Associates OC: Med1 Spear Memorial Hospital Balance: $175 Opened: Jan 2011 Closed: --- Last Reported: April 2011 Remarks: Placed for collection Notes: Unknown ER visit. Showing on: Trans Union only ---------- CA: Marcam Associates OC: Med1 Spear Memorial Hospital Balance: $1,311 Opened: Dec 2010 Closed: --- Last Reported: Feb 2011 Remarks: Placed for collection Notes: Unknown ER visit. Showing on: Trans Union only ---------- CA: Marcam Associates OC: Med1 Spear Memorial Hospital Balance: $175 Opened: Dec 2010 Closed: --- Last Reported: Feb 2011 Remarks: Placed for collection Notes: Unknown ER visit. Possible duplicate of other $175 from same CA and OC? Showing on: Trans Union only ---------- CA: NH/NE Credit OC: New Hampshire Electric Coop Balance: $232 Opened: Mar 2013 Closed: --- Last Reported: April 2013 Remarks: Placed for collection Notes: Electric bill from previous residence. I thought it had been payed off before we moved, but I guess not. Showing on: Trans Union, Equifax, and Experian Plan of Attack (possible changes pending answers to questions and suggestions) Opt-Out Get Credit Reports Remove Old Addresses from Credit Reports. (Waiting on SS card. Somehow he managed 29 years without one. Claimed it was never given to him, but his mom said she doesn't know where it is.) Verify the Medical Debts with Trans Union If VerifiedRequest Validation of Spear Memorial Debt from CA.If it IS VALIDATED:Ask OC if they will take back debt in exchange for Payment Plan. (unless the HIPPA program would work here too as we cannot afford to pay in full)If they ACCEPT:Make sure Marcam Associates collections accounts are removed. If they DO NOT ACCEPT:Ask Marcam Associates to consolidate Spear Memorial debts and set up payment plan. If they do, ensure that the consolidated account is not a "NEW" Collections. (This would ruin our chances of the USDA loan. No new in past 12 months) If it IS NOT VALIDATED:Demand the collections be removed from your credit report. If they are not removed, contact the credit reporting agencies for removal. If NOT verified, accounts should be removed and no further action is needed. Verify the NHEC Debt with Trans Union, Experian, and Equifax. If VerifiedRequest Validation of NHEC Collection from CA. If Validated, pay for Delete. If Not Validated, demand removal. If NOT verified, accounts should be removed and no further action is needed. Questions and Concerns Do I have to remove ALL old addresses and only keep my current address or can I leave one of the old ones that has a positive TL attached? Why exactly do I need to deal with the medical collections first? My initial plan was so get rid of the electric first and then tackle the medical bills, but after reading here everything says medical stuff first. Why validate with the CRA first? Do I do all at once or one at a time? Wouldn't it look suspicious if I disputed every collection on the report? When dealing with the CRA, why do we not want delivery confirmation? What benefit is it to be certified without the confirmation? So, that is what I have so far. Thanks again for all the information provided on this website thus far and thank you in advance for any personal advice you provide regarding my case. ~Amanda

Hi all - I've been trying to clean up my credit & like many people have some bad marks from years past..unfortunately, two of them relate to Portfolio Recovery Associates which is seeming to be IMPOSSIBLE to deal with. 1. I had a store credit card that I fell late on and it went to collections in Feb. 2013. I called and for someone to agree to a Pay for Delete so I paid the entire balance in Dec. 2013. I later found out this was the worst idea ever because they didn't delete anything and seeing I trusted their word, I have no proof that that was the agreement. So now I have this account sitting on my credit report as Paid in full, was a collection. 2. I had a Capital One card with a limit of $300 that went to collections in Mar. 2013. It's now showing as purchased by PRA in June 2014 with a original amount of $581.00. I'm not sure what happened to Mar 2013 - June 2014? I don't see anything else on my report for this account in these months.. Any ideas on what to do with this company, they won't agree to a Pay for Delete but I'm really hoping to get this thing of my reports! I've seen people mentioned requesting validation and I've thought about that but I'm a bit confused on the whole process.. Thanks in advance!!

My apologies if this gets long. In 2003 we had a boat reposed. We had been paying a small amount each month towards the balance that was left after they sold it (which was a lot over $10,000). We were doing this through an autopay. There was a mishap in the autopay and it hadn't been coming out. Now this balance has been turned over to a collection agency (Mountain State Adjustment if anyone is familiar). I talked to them for the first time today and they want $12,900. I cannot even imagine there was that much left on the balance so I am not sure where that number is coming from. I was planning to send a validation of debt letter. Is that the right course to take here. They are expecting me to call them back on Friday. I told them we don't have access to that kind of cash. He said they pulled our credit report and it is good enough we should be able to get a loan. I am also wondering if this is outside the statute of limitations for my state. I looked it up and it appears to be 6 years for written contracts. What are your suggestions. The guy on the phone was very rude. Thank you in advance.

July 16, received a letter from EOS CCA saying "Our client has authorized the following resolution to your balance as noted above: Lump Sum settlement of 1 payment of 274.76$ to be paid no later than 08/15/14". The original amount was 332.64 with collection fees of 59.88 for a total of 392.52. We do not remember having any balance with AT&T so: July 25, I mail CMRR a validation letter. July 29, they receive it. August 6, Receive a credit report from Experian in which the account with them does not state in dispute. (that was coincidental from removing old addresses from all Credit Bureaus - successfully) They have not responded at all as of today August 28 -Should I wait and send this on September 2nd? -Isn't it a violation of FDCPA that they have not reported the account in dispute with the bureaus? -Should I add that to the second validation letter? Validation letter #1 Validation letter #2

Hello, I could not find a simple Validation Letter, i have used and modified one before, just cant find one. I have a Midland Funding collection that i need to mail them a letter to validate the debt. The debt was paid along time ago. I have not received any phone calls or letters, its just reports to the bureaus. Its for a old capital one that was paid years ago. Any suggestions on letter?

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?

I'm about to send my first DV. Is it okay to use an online service to send CMRRR such as LetterStream? Or does that somehow defeat the purpose of the CMRRR? The only thing I can think of is I might not be able to add the tracking number to the letter itself.

So I sent this letter to the BBB and I'm curious what you opinions are...so here it is. I am writing this in hopes that your office will help expedite a resolution to the following issue. In the summer of 2013, I received a debt collection letter from a third party claiming to be attempting to collect a debt from me on behalf of LVNV Funding/Resurgent Capital Services LP I have several concerns involving LVNV Funding LLC/Resurgent Capital Services LP. The account that this refers to is listed on all three of my credit bureaus. I am sure that your office is familiar with this company as my research indicates, many consumers, with similar problems. Please see my complaints listed below. 1.) No notice of account acquisition or "Dunning letter". To this day I have not received any notice from LVNV Funding LLC that they own this debt and intend to commence collection efforts. Yet they're reporting this monthly and have been for years now. This is a violation of the law. See FDCPA 15 USC 1692e Section 807 (10)&(11) In response, I educated myself on my rights and sent them a debt validation letter. I allowed thirty days for a response and still have not received any communication from them. 2.) LVNV Funding is not licensed to collect debt in the state of Maine (where I reside). Although, this company hires third party collections agencies, they're(LVNV Funding LLC) still required to be licensed as well. Which also is a violation of the law. See Maine Fair Debt Collection Practices Act Title 32 Chapter 109a §11031 Sub chapter 3 (1), Subchapter §11013 2 B(1) and G. See also FDCPA 15 USC Section 1692e Section 807 (2)a & (10). 3.) The next violation is greatly debated. However, having read FTC opinion letters I believe that violations have occurred here as well. LVNV Funding is reporting themselves as a Factoring company. This is an intentional misrepresentation of their company as they purchase accounts already in default. Deceptive practices are prohibited and unfair.I believe this falls under US Code Title 18, Part I, Chapter 42, Section 894 Should LVNV Funding LLC persists as a Factoring Company, I would respectfully request the following 1) Please provide evidence and documented proof that you are in fact legitimately factoring this alleged account. 2) Provide documentation from the Original Creditor that proves that in fact this account was factored to your company while in good standing. 3) Provide documentation/proof that this account complies with U.C.C. Article 9, Secured Transactions, and complies with FDIC rules and Regulations regarding factoring of open-ended credit. 4) Provide evidence of LNVN Funding LLC compliance with FCBA, TILA and FDIC rules and regulations. I also want to take the liberty to mention that I received a letter from a third party who was collecting for LVNV Funding and I requested debt validation from them but never received a response. Within a month's time, I received a letter from a different third party seeking to collect on the same debt for an amount that was nearly double the amount from the last third party. This conduct seems very suspicious. As a result of my complaint, I would be satisfied with having this account be deleted from the three credit bureaus and not be re-sold or pursued any longer. Otherwise, I will contact an attorney with my concerns. The above referenced legal breaches are of extreme importance to me and my family and is causing me long-term, damaging effects, including interfering with my attempts to obtain a home loan. I appreciate your willingness to consider my concerns and help me in resolving this matter. Please feel free to contact me with any questions. Thanks for your imput

I received a letter from Midland Credit Mgmt stating they are "the new owner" of xxx account and that MCM, "a debt collection company, is now the servicer of this obligation." It lists OC, original acct. #, MCM acct # and current balance. It is mine. I've read quite a bit and not sure if they technically have to send my anything else under the FDCPA, but will this work as a validation letter? Is there anything else I can/should do? To whom it may concern: In regard to the above referenced account, please be advised I dispute your claims and request full and complete validation per the Fair Debt Collection Practice Act and all applicable state laws. I also request that all communications be by U.S. Mail, as it is inconvenient for me to receive phone calls at home or at work. Sincerely, ________________ (no signature)

LVNV is on 2 of my reports for and old Providian account. It will age off in a few of months. It is, without a shadow of doubt, well beyond the SOL. I am in CA and always have been. I sent LVNV Whychats "letter to collection agency validation/dispute/cease and desist" letter, certified mail, to LVNV in January. After I confirmed receipt, I sent an itemized dispute to the CRAs listing the incorrect line items. I never heard from LVNV. They verified the account with the CRAs. I just received a dunning letter from FNCB listing LVNV as the owner. It has the typical 30 day language. It also tells me I can request all the information I already requested from LVNV. It does NOT note that the debt is past SOL. It does offer me a settlement. I assume I want to dispute and request validation. Should I also lecture them on the SOL? Should I also enclose the letter I already sent to LVNV? And copy LVNV on the whole thing? Can I also file a complaint with the CFPB? Against both companies? I appreciate any assistance on this.

Okay...so it has been 30 days since Midland has received my four (4) Debt Validation letters that I sent CMRRR. (I sent one letter for each account/TL) They signed for it all on 17 March. Today I check my mailbox and there is nothing in there. I expected not to get anything back from them, but woulda been hella surprised if they did send me something. My situation is that I never received any notification from them in writing on the four TL's that they are reporting. I found out Midland was reporting them because I pulled my credit reports. There has been conflicting information so I am trying to get some things clarified. The more I read the more confused I am. So here are my questions. 1. Even if I did not get a notification from them, will my Validation Letter still be good and they had 30 days to respond? 2. Hypothetically, what if I get validation in the mail from them after the 30 days? 3. Do I send them another validation letter and wait another 30 days or an estopple? 4. Can I just show the CRA's each CMRRR receipt, card, and letter and ask them to delete since Midland didnt validate? 5. What should/would be my next move? My goal is to have the TL's deleted from my CR. Thanks !

Newbie here. Needing help w/ things. Been lurking and I don't think I've found this scenario yet. I haven't touched my Credit report in years. I figured my credit was in the toilet but my goal has been to fix it up and I've started this week. I've been playing catch up and think I need to work on creating various validation letters to send out to CA's. I've grouped my debt into 3 blocks: CC's and Lifestyle, Vehicle Loans and Medical Accounts. I've only been at this for two days but I am proud at how organized I've gotten. Even did a spreadsheet for myself. I must admit, I am a little disappointed after checking my real FICO score (not the FAKO). Ever since I started disputing online this week, my score has DROPPED 30 POINTS. Not very encouraging but I am trying to stick with this and not give up. I was so frustrated after seeing my score drop, I called up all my CA's to figure what information they had. What a noob mistake. I forgot that calling the CA's are a no no but I gave out no personal information so I didn't feel so bad. I even learned that one of the reps was upset to see most of my medical debt was invalid because of SOL. Calling was not ok because I know they recorded my calls, and I just hope I didn't hurt my chances of submitting a quality DV for them to remove my negative TL. A few things to keep in mind: 1. I've never declared bankruptcy. 2. I believe the SOL are in effect because it's been more than 7 years for most of this debt. 3. I have one student loan that has been transferred over time that I currently pay on time (no longer in deferment) and is the only positive item showing on my credit. I have some closed positive accounts that help my CR but not worried about those for now. 4. No longer living in the state where most of the debt occurred. (I do believe the CA's are using my new address.) Here is my grouped debt: CC's/Lifestyle = all items have been charged off from OC and have unpaid balances collecting fees with CA CC 1 (clothing) > Asset Acceptance LLC, Opened in Spring 2004, Expected to be unlisted on Experian next month, Equifax Spring 2014 CC 2 (electronics) > Asset Acceptance LLC, Opened in ??, Expected to be unlisted on Experian Summer 2014, Equifax Fall 2014 CC 3 (n/a) > Calvary Portfolio Services, Expected to be unlisted on Experian Summer 2014 CC 4 (clothing) > LVNV Funding->Resurgent->Allied Interstate, Opened in Spring 2007 CC 5 (home) > LVNV Funding ->Resurgent->Capital Mgmt Services, Opened in Spring 2007, Expected to be unlisted summer 2014 from all bureaus CC 6 (electronics) > Midland Funding, Expected to be unlisted on Experian Summer 2014, Equifax Winter 2014 CC 7 (n/a) > Midland Funding, Opened in Winter 2004, Expected to be unlisted on Experian Summer 2014, Equifax Winter 2014 Rental Bill (ex damaged walls but I need to pay for it) > National Credit Systems, Opened in Winter 2011 Utility Bill (ex refused to pay his share but it was in my name) > name of CA withheld, Winter 2008 n/a = actual credit card not tied to a particular store or use. Used everywhere. Vehicle Loan Credit Union > name of CA withheld> opened up in Spring 2004, high balance reported but car was given back to dealer in 2008. Never listed as a repossession. Expected to be unlisted summer 2015 on all bureaus and become positive, unpaid account. Medical Accounts 8 ER bills all sent to various collections, opened up in 2007 but all expected to be removed from CR beginning next month into the spring 2014. I HAVE ONE CAP1 CREDIT CARD NOT IN COLLECTIONS WITH A HIGH BALANCE. Opened up in Summer 2000, expected to be unlisted in Winter 2014 from all bureaus. They said they won't sue and that I just need to pay. Any idea why this may have not been sent out to collections? They want to settle for half. I hung up the phone. High balance. I guess my question is this: If the CRA's are going to remove the item off their bureau is there even a point to writing DV's to the CA's seeing all this time has passed. Since I made the mistake and called them today, will they try to say the SOL is not in effect and attempt to collect all over again? And for the two accounts that were passed to multiple CA's do I only do a DV for the CA willing to settle the debt or them all including the parent CA? I need help in determining if the following DV is good enough to send out to the majority of my CC's and Lifestyle/Vehicle Loan debt. I plan to use the HIPAA DV sample for the Medical Account debt but being a perfectionist, I want to make this right. SAMPLE DV Letter My Name.... My Address on file Date of Letter By Certified Mail, Return Receipt Requested Name of Debt Collector Address of Debt Collector Re: Account # ?? To Whom It May Concern: The letter is written in response to the letter/call I received from your office dated. I respectfully ask, pursuant to my rights under the Fair Debt Collection Practices Act, that your office provide me with suitable validation of the debt. I would like to emphasize that this letter is not refusal to pay, but simply a request for proof of legitimacy of my obligation. This said, the proof of the obligation should be complete and should include copies of the following documents: 1. The agreement with the original creditor that authorized you to collect this on behalf of this debt. 2. The agreement reflecting my signature that confirms my acceptance of the obligation. 3. The complete payment history of this account. Until your office fully complies with my validation request, I expect there will be no further action on your part to collect this debt. Additionally, if your office fails to reply to this letter within 30 days of receipt this account is expected to be deleted from my credit file and no further efforts to collect this debt can be made. Sincerely, name print only

hello, im new here, trying to clean up my credit because i want to buy a house soon. the only really bad mark i have on my reports is an unpaid utility bill that i stopped paying on in 2009. this was with an electric company serving in the chicagoland area known as ComEd, short for Commonwealth Edison. this showed up years ago on my reports as owned by a different collection agency (i cant remember their name now) and is now (or at least as of April of this year when i last got my reports) is showing up as being held by "Contract Callers Inc." it is not scheduled to drop off the reports until 2016, and i really don't want to keep renting until then. I have heard that people can have some luck doing the pfd thing with collections that are due to utility bills, and other things that dont normally get reported (monthly reported for acounts in good standing) mainly my question is what should i do here? here the three main suggestions i have gotten from people: 1) request validation from collection agency 2) try to pay the original creditor - then request they have the record pulled if they dont pull the record then after paying oc, tell the ca to validate and they probably drop it 3) pfd the collection agency this "debt" is only $249 so i really dont mind spending the money to get it DELETED from my reports. but it seems, as far as i can tell, worthless, if not damaging to pay just to get it updated to "paid" or "settled" as it's my understanding that if i did that, it would remain on my reports for up to 7 years from the date of payment. i look forward to working with you all, whoever has the time and experience to help me out on this and a few other issues i have. this is probally the most damaging mark i have on my reports at the time, and i really want to get it gone.

Okay, after sending a nutcase letter to Equifax, I got them to delete a collection account and drop all previous addresses and names. I had asked for deletions of several accounts, including 8 student loan (Dept of Ed/Sallie Mae) accounts if they could not be validated. I knew there was no info available on those loans because I called Sallie Mae ahead of time and, besides my name, account number, and loan amounts, they said they had no more information. So, Equifax leaves it on there and says, among other things: - We have verified that this item has been reported correctly. - There is no historical account information currently on this account. (I asked for this because the payment history chart was showing no data) - This creditor has verified to OUR company that the terms are reporting correctly. - Prior payment history and status are reporting correctly. - Additional information has been provided from the original source regarding this item. My question is, how can it be reporting correctly if there is no historical account information? Aren't they required to provide me with this info if I ask for it? I did ask for it "as required by the FCRA" in a written dispute sent CMRRR. I specifically asked for payment history. Does their failure to do so violate Sec 611 of FCRA? Thanks in advance!

Hi All, Thanks for reading my thread, I hope I am not over doing it by posting too many threads ( this is my third one) . Ok here is my dilemma, 1. I had a JDB pop up on my CR, sent Validation they responded. In a nutshell can't validate will request for removal with CRA and they will remove my info from their database. A month to date, still on my CR . Last week Thursday called the CRA told them what has transpired, I gave info over the phone, name of the reporting CA, date of letter the CA sent it to me, and the name of the person who signed it ( which was a manager). Was told to mail it. I did the same day I am now kicking myself in the butt cause I sent it regular snail mail. I was too anxious. As of today the neg acct. is still there and it is not even marked as disputed! Is this a violation? On both parties? 2. Since I had 2 CA reporting the same debt I requested validation from both, last one Diversified has yet to answer my letter, not only that, they are reporting wrong dates, acct term and had the nerve to report one month as no information to report?? They haven't even reported to the CRA its in dispute... So do I: a. send a letter YES CMRR, to the CRA stating that they failed to validate debt, send a copy of the green card and the tracking confirmation from USPS? b. Do the above AND give a list of all the errors that the CR is reporting about this acct ( I read here that doing this will cause them to have to delete it cause its so many listed errors they wouldn't know what to chose from:http://creditboards.com/forums/index.php?showtopic=313560 ) c. or just send a letter stating that the CRA is reporting inaccurate information. List all the errors and demand it be deleted. 3. Will freezing all CR's look odd while disputing? I was able to get my unsecure cc so I am happy for now, I don't want any surprise I ran your credit report like Lexis-Nexis has done to me! 4. I also heard that if a CA do not mark the acct on our credit report as a dispute by the consumer once you have requested validation them it is a violation...is this correct? If so can any one site this violation? 5. I am open to reading any threads that may educate me and help me please post them!!!!! I thank you all for your help!

So a few months ago, I had 3 or 4 collection items on my reports from Fox Collection Center. On the medical ones, I went through HIPAA, ended up paying the OC and those were deleted. The others were an old utility which had been transferred to collections after payment in error. I received an apology letter from the president of the utility on those and they were deleted. Of course during this process, I had done some disputes with the CRAs. Last week, I got a set of 'validation' documents in the mail from Fox Collections for all of the aforementioned debts, stating that they are requesting the CRAs mark these items as 'disputed'. The letters of alleged validation were dated Jun 25, 2013...the envelope date stamp was September 12th, 2013 (more than 90 days past the date of initial disputes). I'll be hanging on to letter and envelope (and report copies showing the items deleted) in case they try any shenanigans.

Hi there! I've been reading these forums for a bit now and finally decided to make a post - hopefully I can get some solid advice here. =] So my dad received a collection notice from ACSI (Automated Collection Services) regarding a debt from a private club he is a member of. (Short story: He retired and his balance went past due 31 days. Promised to pay as soon as his federal retirement kicked in within 2 weeks, but crazy club administrator who has a personal vendetta against him sent it to collections anyway). The amount they say he owed was relatively close to what was expected, but we wanted to be extra sure that everything was precise -- there's another member at said club with the same name and they accidentally charge HIS purchases to my dad's account from time to time. All of that being said, I sent a short, sweet DV letter to ACSI asking for an itemized list of the charges. They have a solid rep from what I've read so I figured they'd comply, and sure enough they did. Not only did they send an itemized list of charges from the club, but also the original signed application to join. Here's where the fun (read: questions) starts: 1. The itemized statement says $385 in monthly membership dues, but the application they sent with his signature specifically says $235. Disputable based on documentation THEY provided? 2. About a week and a half after the dunning notice was received, the OC (club) sent another invoice requesting payment. I could be wrong, but if the account it placed with a collection agency, isn't the OC supposed to stop dealing with the customer and refer them to the CA for questions and payment? It confused him because he now has 2 companies requesting payment for the same debt and doesn't know who to pay. 3. The debt needs to be (and is going to be) paid, mainly just waiting to see WHO actually gets the check. If the original creditor is paid, and we send a letter to the CA letting them know the OC kept sending statements after they had the account placed with them so we paid the club instead, the CA has to go away anyway, yes? And in that particular case, since we paid the OC by their request, can the CA still report it to the credit bureaus? Thanks in advance for any advice! =]

In my attempts to obtain a D-U-N-S number online, I cannot seem to get past the first registration step. The online application says it is using my home address to validate my personal identity. When the authorization during the first step fails, it says that they were unable to verify my personal identity. So basically, from just my name and address, the D&B system is unable to match me with their records and will not let me continue the application online. As far as I know, D&B is a private company, so they would not have instant online access to databases such as IRS records or DMV records. This leads me to believe that they are attempting to match my information with data from another private source. My money is on Experian. From the week I have spent reading the CreditBoards forum, I've gathered that calling D&B will only lead to sales harassment. What is D&B trying to match my information with? I do not wish for them to match the data I type into this online registration to my personal credit reports. How do I provide working name/address information to D&B so that I can continue with the application?

Ok, so Trident Asset Management was reporting on my credit report for a debt for $270.00. It states that is was from 2009 from OC Abramn Glass. I do not recall making this purchase at all. So long story short I sent them a validation letter. A week letter I receive the letter back from them with a copy of a check that I clearly did not fill out but it also has my drivers license number on it, that I clearly did not write. It is not my signature on the check and not my handwriting at all, but it is a copy of a check in my name. The first sheet before the copy of the check reads as follow: (There Address) April 30, 2013 (My name and address) Original Creditor: ABRAMN GLASS Current Owner: OPS 9,LLC Check Date: 5/22/2009 Trident Account #: ************* Dear(My name) Please be advised that OPS 9, LLC has purchased the above-referenced account and placed it with our office for collections. As of this date your account balance is $270.00. Call us toll-free at 1-866-***-**** between the hours of 9:30am and 5:00pm EST to discuss this seriously delinquent debt or you can make your payment by money order to the above address or pay with your debit/credit card at www.tridentasset.com using your Trident account number. Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days from receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgement and mail you a copy of such judgement or verification. If you request this office in writing within 30 days after receiving this notice this office will provide you with the name and address of the original creditor, if different from the current creditor. Your attention and cooperation in this matter will be greatly appreciated. Collection Manager Trident Asset Management, LLC (His Signature) This is an attempt to collect a debt. Any information obtained will be used for that purpose. This communication is from a debt collector. Second Page: (A copy of the validation letter I sent) Third Page: (A copy of the disclosure request form I sent) Fourth Page: ( A copy of the check I supposely sent) PLEASE HELP! WHAT DO I DO NEXT????????

I disputed several accounts with Experian, one of them being PDQ Services, Inc. and they sent me a letter that reads Our offices are in receipt of your letter of dispute and request for validation pursuant to 15 USC 1692g of the Fair Debt Collections Practices Act. Please be advised we have contacted our client, Heavenly Dental Associates Inc, who has confirmed the name and address listed on the account as well as the amount owed. Listed below is a summary of the charges on the account. Client Name/Original Creditor Original Payment Payments Remaining Balance Heveanly Dental Associates xx.xx 0 xx.xx SHould you have any questions regarding this account or if you wish to discuss payment arrangements, contact at number below. All of this is on their letterhead as well. This was for dental service provided well out of the SOL. Does this constitute validation in anyway?

So did a CRA dispute with RJM Acquisitions and after it came back verified, they sent the following letter... RJM Purchased Your: Overdrawn Bank Of America Checking Account Bank of America Account #: 334xxxxxxxxx Appears On Your Credit Report As: 334rxxxxxxxxx Date RJM Purchased This Account - May 18, 2012 Your Social Security Number 254-xx-xxxx (this is how much of the social is actually showing) RJM has received a Consumer Dispute Verification (a "CDV" from Transunion. RJM takes seriously its duty to maintain accurate information concerning this account. Please contract us if you believe anything about this account is not accurate. blah blah blah.. attempt to collect debt... blah blah... Sooo.... did they just pretty much validate even though I didnt send them a DV because they got the Verification request through Bureau... any other route of attack with this being within SOL (though i doubt they sue for this little amount) ... ?

Hi all, thanks in advance for reading and for any help you can provide. I recently sent out a round of letters for debt validation/verification: "This letter is being sent to you in response to information being reported on my credit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( that your claim is disputed and validation is requested. This is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following: - Identify the original creditor; - 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; - 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 At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau’s (Equifax, Experian or TransUnion) this action might constitute fraud under both Federal and State Laws. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. This is an attempt to correct your records, any information obtained shall be used for that purpose." WHEW - that was long My first letter back says the following: "thank you for your request for further info regarding the above referenced account. We purchased this account on Dec 28, 2009 6:00am. The previous creditor informed us that the account was associated with XXXXXXXX with a SSN XXXX. We understand that you are disputing the accuracy of our records concerning the above referenced account. After reviewing the information you provided as well as our account notes, and information provided by the previous creditor, we are unable to determine the nature of your dispute, and consequently deny that our records are inaccurate. If you still believe the account info is inaccurate, please provide an explanation of why you believe it is inaccurate along with any documentation you have supporting this explanation. Upon receipt of this new information we will be happy to reinvestigate our records. The current balance may vary due to payments and/or accrual of interest." SO. My question is essentially how to proceed. Obviously they didn't do what I asked and they gave me nothing except the name of the original creditor and the current balance. The burden of proof is not mine, correct? Do I send them another certified letter requesting the same information? Am I stuck and do I need to move to negotiating or am I in luck with this one? Thanks again for any light you can shed on this. I appreciate it!

I'm beginning my journey to clean up my credit and after extensive research here I have a couple of options on how to remove 3 unpaid medical collections. I can DV the CA, go the HIPPA route through the CRA, or send the obsolete letter. They will fall off May 2014. I realize it may be a little too far out so maybe go the other route? Any suggestions? Any advice would be greatly appreciated.