Credit Validation Letter

First of all, they have to provid you with the info, not you to them. Whatever you do, don't give them SS numbers, bank info, etc. If they are legit, they have all the info they need.

I would send a follow up letter stating they have not provided you with the info you requested through debt validation and you are still waiting.

Second, unless you live in Texas, or I think Florida is another state, there is no time limit from which they have to respond. The 30 days is the time you have to request Debt Validation from them, disputing the debt, when they sent you the first letter.

Hope I haven't confused you too much!!..Karen

Karen has the right of it here. Listen to her. And above all else, do not give these scum any personal information. If they can't find the information they need to validate properly, well, that's just too damn bad. Gues they'll have to give up on it. They are required to get the validation from the original creditor, and then send it to you. Until they do that, they aren't allowed to pursue any further collection efforts. That means calls, letters, legal action, and reporting to the CRAs.

hi Akira--

Bossy was right on the money here. The CA is required by federal law to contact the original creditor and get documentation from them directly. Typing up a summary page and sending it to you is not validation by any stretch.

I would send them a second letter, again by certified mail return receipt requested, and in that letter I would tell them that they have failed to provide proper validation pursuant to section 809 of the Fair Debt Collection Practices Act. Under that law, they cannot just type up a page and say "here you go", they must get documentation from the original creditor. I would tell them that their in-house documentation is not legal validation and since they cannot do any better than that, that they are to immediately cease all collection efforts on this debt or face legal action. Such action includes continued reporting on your credit reports. I would put a statement in there that says that in accordance with the Fair Credit Reporting Act, they are to immediately remove any and all entries concerning this debt from your three major credit bureau files, because they were unable to properly validate the debt. I would let them know that reporting the debt in the first place was a violation of federal law since they cannot properly validate the debt as legitimate. If they choose not to remove any entries about this debt, I would sue them for FCRA and fdcpa violations.

I sent a validation letter to a ca. They prodived me with a copy of 5 print outs of past statment and a letter stating that " The contract with chase has a stipulation on the right of assignment" and that they can collect this debt from me. I have read that they need to provide me a copy of the contract signed by me to be valid. Is this true or did they validate my claim?

They do not have to provide the contract outside of the Discovery phase of litigation