Convergent/Tmobile Bill

[bcasey777]

Hi,

 

I sent Convergent a letter to request validation. Today I received a letter saying they validated and sent me a copy of a Tmobile statement. This debt is out of the SOL. What is my next step to take? Thanks for any help

[twotrouble]

How much is the debt ?

Did they validate ?

Since the debt is past the SOL, did they state on the letter that they can no longer sue you for the debt because the debt is past the SOL ?

Who is reporting to the CRA's (CA,OC or BOTH)and which CRA,s are they reporting to ?

[bcasey777]

Thanks for reponding. The debt amount is $402. The only thing they sent me was the statement from Tmobile, but I am not sure if that is considered validation. No, they did not state that it was past the SOL or could no longer sue. Only the CA is reporting to all 3 CRA's. The OC is not reporting at all.

[twotrouble]

You should try the 1-2 punch now.

1st dispute with the CRA's "CMRR" track it and as soon as they sign for it send Convergent a 2nd dispute letter asking for more specific information such as all accounting that led to the charge off, contract with your signature with TMOBILE ect.....

Do a search for debt validation requesting more information and use request that fits your situation.

FWIW my 1st DV letter is always simple and short just asking for debt validation, but I always mail my dispute letters to the CRA's "CMRR" 1st and once they sign for it that's when I mail my DV letter to the CA "CMRR".

[bcasey777]

Ok, thank you so much. I will try this.