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No validatoin response received - second letter

Date: Fri, 06/27/2008 - 12:49

Submitted by anonymous
on Fri, 06/27/2008 - 12:49

Posts: 202330 Credits: [Donate]

Total Replies: 3


Heres a letter i intend on sending to a colection agency that gave me no response to a debt validation request (in Texas, they are required to give a response within 30 days)

Please let me know what you think:

Dear Collector,
On May 20th, I sent you a letter explaining that I do not believe I owe what you say I owe. It was sent via USPS Certified Return Receipt Requested [tracking number XXXXXXXXXXX]. In accordance with the Texas Finance Code - Section 392.202:

Correction Of Third-Party Debt Collector's Or Credit Bureau's Files:

Not later than the 30th day after the date a notice of
inaccuracy is received, a third-party debt collector who initiates
an investigation shall send a written statement to the individual:
(1) denying the inaccuracy;
(2) admitting the inaccuracy; or
(3) stating that the third-party debt collector has not had sufficient time to complete an investigation of the inaccuracy.

As of today, I have yet to receive a response to my requests for debt validation, which puts you in direct violation with the TFC. Furthermore, there are still negative remarks on my credit report relating to the aforementioned account which, according to the fdcpa and the TFC, should be removed should validation not be provided with 30 days.
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, expect all reported accounts be removed from each of the 3 credit bureaus. Failure to do so will result in violations of both the FDCPA and the TFC. As a reminder, violations of the Texas Finance Code may result in criminal (as well as civil) charges.
Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national Better Business Bureau.
For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my original letter on May 23rd.


Plight...I responded to another of your posts but you might work this in as well:


???? 392.404. REMEDIES UNDER OTHER LAW. (a) A violation
of this chapter is a deceptive trade practice under Subchapter E,
Chapter 17, Business & Commerce Code, and is actionable under that
subchapter.


Also, did you find their bonding info? I'd add that in as well. Iv they don't show a bond I add:

Also, I find no record that your company has filed a surety bond with the State of Texas. As you well know, this is required for any company performing collection activities in Texas. A copy of this letter is also being sent to the Texas Secretary of State. I????????m sure he would be very interested in knowing that a non-bonded company is performing collections in his state.


lrhall41

Submitted by NASCAR_Devil on Sat, 06/28/2008 - 05:51

( Posts: 4671 | Credits: )