I think I paid an incorrect amount to company?

To further muddle the problem I just found out by looking at the earlier credit reports that I had paid midland credit management on the original account number, so I had actually paid the debt off 3/07. I didn't owe LVNV anything at all. What do I do?

I think I'd send LVNV a validation demand on the debt, and enclose proof of payment. Then wait to see what, if anything shakes loose, and follow the process along if needed.

Is there a sample "Validation Demand" letter somewhere available for me to work off of?
Thank you!

never mind, I just saw this!

http://www.debtconsolidationcare.com/collection-agencies/state-sol.html

Is "validation demand" the same as "debt validation"?

Is "validation demand" the same as "debt validation"?

and do I need to send these letters return receipt/certified? It costs $5.21 per letter and there are 9 of them between the double and tripple reporting companies. I paid all them in full, no settlements, and without knowing if I will get any money back that is $46.89 and quite a gamble for a "chance" at getting anything back. Any suggestions please?
Thank you!

Is that 9 seperate companies or 9 accounts spread out over a number of companies? If you have a couple accounts with a few companies you can list multiple accounts in the same letter to the creditor, I have done it a few times.

It is the same 2 Debts (MCI and Sprint)that had been sold on several times to different companies.

[quote=smo65d11]Is "validation demand" the same as "debt validation"?[/quote]

Yup, just a little less politely worded.

I'm partial to this one:
http://www.debtconsolidationcare.com/collection-agencies/better-structure.html

Are all of them showing up on your credit report? If they are, start disputing them as multiples and see what happens. I bet at least a few of those would drop off. I know how it is to have to send out a bunch of letters, it does add up. Once you have a fresh copy of your report any remaining you can start to work on them, do a few each month, this is what I do..it takes longer, but what else can ya do? :)

they are all off of my report because I paid them all, I just want to get my money back that I paid 2 or three times for the same debt!

Well I figured I'd update you all on my MCI debt fiasco and to ask for some more assistance.

To refresh your memories, I had an original debt of $123 due to MCI from a few years ago. I paid that amount to Midland funding llc 2/19/07 for the debt. 5/25/07 I took out a loan and through the closing process I paid off all of the debts that showed on my report. One of them was to Northland for $156 and one was to LVNV for $1561. It turns out that they were actually for the same debt due to MCI that I had already paid to Midland 3 months prior.

The Northland debt was $156 which included the original $123 plus fees. The LVNV account had an extra digit tacked on at the end which added an extra $1,001 to what I actually owed.

Upon advice from some great folks here, I sent out certified Debt Verification/ Validation letters to MCI (the original debtor that I never paid anything to directly), midland credit management, northland group, Inc and LVNV Funding regarding this mess. As of today, 30 days later, I have not received any replies.

Any suggestions about what to do now?

Thank you!

You can find a good validation letter template via my signature link. Be sure to send the enclosure with it via certified mail, return receipt requested. If you have any further questions or concerns feel free to contact us.

Take them to court, force them to give you your money back.

I did send the Validation letter via Certified (but not returned receipt) ... do I send a "second request" now, or just start small claims proceedings?