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CRA's DELETED- but CA sent me a "validation" letter LOL


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Sent a pre-hipaa letter and one of my medical collections was Deleted. However about 2 weeks ago I received a letter in the mail from the CA- stating that they received notice I was disputing the account- and to please contact them and send them documents to show I am a victim or identity theft or else send them documents showing the original hospital bill. (lol basically they wanted me to prove it?) Anyways- Do I need to do anything else? It's been deleted from all 3 CRA's- so do I just ignore the letter the CA sent me? I'm assuming I do....

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You don't have to prove anything...they do! I personally would write: This debt is disputed,prove I owe money. If they send photocopied statements, I would write back and tell them it is hearsay, this debt is still in dispute. Put it in your own words and make it brief.

 

ahh, but it's been deleted off my CRA's already- so basically at this point- I kind of don't really care what their letter says- it's not being reported anymore- CRA sent me a letter saying it was deleted. LOL

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You don't have to prove anything...they do! I personally would write: This debt is disputed,prove I owe money. If they send photocopied statements, I would write back and tell them it is hearsay, this debt is still in dispute. Put it in your own words and make it brief.

 

ahh, but it's been deleted off my CRA's already- so basically at this point- I kind of don't really care what their letter says- it's not being reported anymore- CRA sent me a letter saying it was deleted. LOL

 

 

 

But does this mean they cannot repost?

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You don't have to prove anything...they do! I personally would write: This debt is disputed,prove I owe money. If they send photocopied statements, I would write back and tell them it is hearsay, this debt is still in dispute. Put it in your own words and make it brief.

 

ahh, but it's been deleted off my CRA's already- so basically at this point- I kind of don't really care what their letter says- it's not being reported anymore- CRA sent me a letter saying it was deleted. LOL

 

 

 

But does this mean they cannot repost?

If you have a letter of deletion from a CRA it is a violation of the FCRA for the account to be reinserted .

 

I have an "app" for that.

 

http://www.whychat.5u.com/ltrcraredisp.html

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