debt validation

Did the lease have your signture on it? If so, I would say that they properly validated. Did they mark the account as "Disputed by Consumer" on your reports? What state do you live in? When did you break the lease?

i never broke the lease. i sgined 36 month and they got 36 payments! The oc came up w/ an ending balance that i have no idea what it is for! I paid x-tra mileage, my turn in sheet is fine(no damage, x-tra wear/tear bs ect.) I honestly don't know what the ending balance is for and what was co..i live in ohio..the lease was from 4/02-4/05 "lease- full termination entire payment schedule completed" is what my credit report said until 3/08 util the oc sold unknown debt to jdb..the dealer i turned into has since closed, oc refers me to jdb, and jdb sent me this crap!

yes the lease they sent was the 36 month lease i signed..oc is now reporting to cra that the lease was 38 months.but yet it was verified in a dispute 3/09..i thought the crap on my report had to be accurate...they ARE allowed to report something different than i have signed!!! i have filed a complaint w/ my attorney general at this point..

this one's pretty simple--your lease shoudl clearly state the terms, as in '36 months'. If they are reporting something, but the lease copy says something else, all you need to do is send a copy of that lease contract back to the OC along with a copy of what they are reporting on your credit bureau....tell them that they are about to get sued for violating the Fair Credit Reporting Act unless they get a clue, and fast. Under the FCRA, this would fall under willful noncompliance, and even though they are not the debt collector, they ARE responsible for what they report to the CB's. They are also responsible for passing this off onto a JDB, and you can mention that in your certified letter to them--that they have wrongfully caused you harassment and you will be pursuing actual damages as a result--unless they clean this up yesterday.

To the JDB, I would send them back a copy of the lease agreement showing 36 months, and then send them a copy of the portion of your credit report showing the OC now reporting it as 38 months...and then inform them how the OC hosed them. They bought a nonexistent debt.....also, tell the JDB not to contact you again regarding the matter since it is obviously not even legitimate, or else they will be in violation of the FDCPA themselves