Now what?

you re-send your DV letter.include a new part that states that what they gave is not validation.that you are demanding proper validation.send the letters certified mail return receipt.just like the first time.

That begs the question: What is proper validation? What form does it take? What does it look like to an inexperienced person?

I'd guess that it would take the form of a letter on the letterhead of the OC and signed by the OC. But I don't know.

anything from the original creditor with your signature.that plus any license they have to collect.

They do not have to provide any licensing information. There is no requirement under the FDCPA for that. Anything they produced in house would not be validation IMO. I would accept nothing from Asshat anyway but sounds like they met the bare minimum requirement of sec 809.

no licensing,okay.however from what the OP posted asset basically sent them a bill on there letter.correct me,but doesn't there have to be something from the OC.even if it's just a letterhead.

The Wollman Opinion pretty well outlines it:



Unfortunately, it's only an Opinion and it would be up to a judge to rule.

yep,gray area.i'm with you though.i wouldn't accept anything from ass-et either.