ASSET ACCEPTANCE AND MY CREDIT REPORT

Guest, you need to leave this alone. Do not attack others, especially in such a discriminatory manner. Such attacks will not be tolerated.

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Well... Another freak heard from.

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Nope, sorry, no cigar! They didn't respond because I was...*gasp* R I G H T.

I used the DV letter from this site but I didnt use the enclosure.

OK, I would suggest sending the enclosure however. It services as a polite reminder of what not to use in validation, like computer generated fluff that they cooked up in house.

Ok JCEMT. I will do so when I send another DV letter. If I dont get what I ask for this time then I will be making some complaints to the FTC and the Attorney General of Louisiana.

Sounds like a good deal James, if you need any further assistance from us just let us know.

Also if you could keep us posted, that would be great.

Since the last time I posted I havent heard anything else from Asset Acceptance. That very brief debt validation letter that they sent me was very disappointing b/c thats not what I wanted. They havent called or sent letters since then. How long should I wait until I send another letter to them stating for proper debt validation?

You could do so if you wish to remind them of their obligation. However they know what they have to produce.

I would pay what I owe but I have bit of a problem. I found out that my own father has been using my social security number. This is why I need proper validation. I have no contact with him to ask him about it. Trust and believe I am not trying to back out of paying. I am not about to pay an account thats not for me.

start the day with a troll.nice attack of goldenblast.that will get you deleted faster than your troll head could spin.

if your dad truely is using your social to obtain credit then it would be considered identity theft and a police report should be filled out.. the police will investigate it further.. do you have any supporting evidence he has been using it?

Yeah he used it last year to get some lights turned on. So now I am dealing with a utility company to complete this fraud report so they can take it off of my credit report. Thats the reason why I need Asset to validate it correctly. Like I posted earlier all of my credit card info was lost due to Hurricane Katrina. So I was using my credit report as a guide to see what I did and didnt owe. All Asset has to do is show me the signature of the credit card agreement or something stating that I actually used the card. I really dont remember having a Discover card. It was so long ago. This is my last credit account that I am dealing. I paid my debt off with all the other ones. Asset is my last one. The crazy part is that Asset still wants to collect money and cant validate my debt but Asset hasnt been on my credit report on any of the 3 bureaus for the past year. Thats kind of weird to me. I may just have to investigate this myself because if this account is not mine then I will go and file a police report. If the account is mine I will go ahead and pay it off. It is not a problem. I am not trying to get out of paying a debt. I just want to make sure that the debt is mine.

their has to be a legitamet reason they are collecting.. u said they sent you somewhat of a validation.. from what ive seen people that "steal" anothers identity dont pay the bill.. or they'll charge up the card and not pay it.. did it say what the last pay date was? or if you really want to get it taken care of tell them you want a significant discount (some 60-70% off)- large debt collection companies look at making money on the portfolio of accts they purchase not individual accts.. that way you are taking care of it but not at a huge expense.. (lawyer fees or P.I. fees ect.)
i suppose its how bad you want it off your credit report.. or in your case as well to be left alone.. i know how it is!!! just a few suggestions.. hope it may help..
let me know how it goes..

I give up on trying to get proper validation on this account. I called Asset myself and tried to get some answers. They said they couldnt track the credit card usage. I am like thats BS. Its a credit card. Its traceable. First they started off saying we will help you. Then they got desperate and was asking me things like "Can you borrow the money from anyone? Can you take out a loan? Can you go into your 401k?" I am like WTF is going on. I just explained to you that I need you to investigate this and you are still trying to collect. I told them if the statements come back that I used them then I will pay but if they were used by someone else I am not paying. So they told me that they would have to request all of the credit card statements and that it would take 6 months to 12 months. They also told me that the account will continue to grow with interest. I am at a point right now where I just want to see some proof. The account is already over $7000 so if I have to pay that then oh well. As long as I have proof I dont care how much it is.