Collection Agency Help

[Benny1212]

Hello All,

 

I am a “Newbie” in every sense of the word. I have done all the necessary steps in regards to opting out, triage, etc… I am looking for guidance on one specific account. Here is a quick back story: The account in question is a credit card that ended up in collections (lost my job, had to pay bills, fell behind, etc…). I knew the original creditor charged it off to collections but never received anything from a collection company about the debt. After checking my credit, I see the name of the collection company and they are hitting my account with negative information every month and it is killing my credit score. Again – I never received anything in the mail from them. I decided to call them to see what the deal was (this was before I learned about CreditBoards or I definitely would’ve handled it differently). We haggled back and forth and I told them they were reporting negatively against my credit but had not sent me anything in regards to the debt or the fact that they owned it. Long story short: they had the wrong address. My address has the word “North” in it and for some reason they had it as “Morris”. I asked them to please send me something in the mail now that they had the right address. This was over 2 months ago and I still haven’t received anything in the mail. So my question is: do I even bother with a validation letter or do I go straight for a nutcase letter? I feel like I am validated in having the debt removed because they had the wrong address, I corrected the address for them and they still never sent me anything. Any help or guidance is greatly appreciated!

[ding]

Who is the original creditor? and the collection agency? Are they collecting for the OC or do they own the debt? when did the account go delinquent? what state are you in?