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Please Help, Letter from Debt Collector Not Reporting


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6 replies to this topic

#1 BattleCPT

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Posted 15 March 2017 - 02:54 AM

Received a letter on 3/10 dated 3/3.  At the top of the letter it lists Acct #, Client Acct #, OC Southern Emergency Group, Balance and Date of Svc. 12/27/15.

 

 

The account listed above was purchased by CASCADE CAPITAL LLC SERIES A (Current Creditor listed below).  The Current Creditor has placed the account with Phoenix Financial Services, LLC for collection.

 

Please remit the full balance

 

The above is subject to your rights to validate the above-referenced debt as follows:

 

This notice is from a debt collector.  This is an attempt to collect a debt and any information obtained will be used to collect the debt.  Unless

you notify this office within 30 days after receiving this notice that you dispute the validity of this debt 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 judgment and mail you a copy of such judgment or verification.  If you request of 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.

 

I don't recall ever receiving anything in the mail from CASCADE CAPITAL, only the OC, Southern Emergency Group.

 

I have been reading WhyChats

Opted out, no need to change address

 

Would I do this first?

COLLECTION AGENCY VALIDATION/DISPUTE/CEASE AND DESIST

 

TIA for all of your help

 

 

 


Edited by BattleCPT, 15 March 2017 - 03:02 AM.




#2 Why Chat

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Posted 15 March 2017 - 06:37 AM

Do you have your credit reports??

https://whychat.me/GUIDEBOOK.html

 

If this CA is NOT on any of your reports, send them this:

https://whychat.me/ltrcavalhipaa.html



#3 BattleCPT

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Posted 17 March 2017 - 06:26 PM

Thanks for your quick reply!

 

I have hard cy's of reports dated 10/30/16 and 11/4/16, 11/4/16  would these be okay to use for the initial letter to the CRA for one reporting on TU and one reporting on EQ or should I order new ones?

 

I will be sending out the letter above to the CA not reporting.



#4 Why Chat

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Posted 18 March 2017 - 11:30 AM

Thanks for your quick reply!

 

I have hard cy's of reports dated 10/30/16 and 11/4/16, 11/4/16  would these be okay to use for the initial letter to the CRA for one reporting on TU and one reporting on EQ or should I order new ones?

 

I will be sending out the letter above to the CA not reporting.

Yes, but you may need a new credit report if you do not get a new one from the CRAs when they respond to your dispute unless they all notify you that all the accounts were deleted



#5 BattleCPT

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Posted 20 March 2017 - 05:16 PM

I have everything ready to send to the CA that is not reporting and I am a little confused.

 

Do I type in the tracking number on the letter and affix the original customer receipt label on the hard cy I keep for myself or do I affix that to the letter I am mailing out?

 

Also, being that it is not reporting I do not need to send a follow-up letter to the CRA's?  Just wait to send what response I get from the CA?

 

Thanks so much for all of your help!



#6 BattleCPT

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Posted 20 March 2017 - 05:34 PM

Disregard Question #1.  I just went back and read again the instructions and got clarity. 



#7 Why Chat

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Posted 20 March 2017 - 07:49 PM



I have everything ready to send to the CA that is not reporting and I am a little confused.

 

Do I type in the tracking number on the letter Yesand affix the original customer receipt label on the hard cy I keep for myself Yesor do I affix that to the letter I am mailing out? NO

 

Also, being that it is not reporting I do not need to send a follow-up letter to the CRA's? Correct  Just wait to send what response I get from the CA? Yes

 

Thanks so much for all of your help!






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