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I have asked Asset Acceptance (via certified letter) to prove that I owe a debt that they claim that I owe and they have not been able to prove anything. I’m at a roadblock I’m not sure what to do next. I’ve given them a 30 day deadline to provide proof. How do I get this off of my credit report? I’ve been searching your templates for an idea the last letter I used was from your website which has been SO helpful!!!! But I’m stuck. How do I get these people to go away for good this time! They haven’t a leg to stand on! I guess I need the legal words to get them off my back! Help!! Please!!




This sample letter was in the do it yourself section of this community.

If your collection agency fails to send you an adequate proof of your legal obligation to pay a debt, then you might write them a letter.
Quote:

Company:
Address:

Date:

Re: Account no

Dear Sir/Madam,

This letter is to dispute the account referred to above. There is a serious misunderstanding with the collection agency. While you are able to verify my debt, no number of requests or in-personal contacts with the agency could get them validate the same. This is really strange! The debt is not mine.

According to FCRA you are required to verify the validity within 30 days. It also states that if you cannot do the same the disputed item should be deleted from my credit report in right earnest. The debt was not verified accurately. I will be forced to take legal action if you do not comply with the law. You will be forced to pay damages and declaratory relief under the norms.

I am not in favor of the litigation process to get my redress, but nonetheless I would have to sue just the same.

I am enclosing herewith the copies of my request for validation to the collecting agency and the receipts with my signature. I hope this matter is resolved without further hassles
Thanks,
Sincerely,


Your Signature
Your Name
Your Address

Sub: #1 posted on Mon, 08/25/2008 - 11:40

Shazzers Shazzers
Moderators Cum Industry Expert
(Posts: 17345 | Credits: )

who exactly would the above letter be sent to? It refers to the collection agency as being another entity ... isn't a letter like that sent TO the collection agency? I am super confused!

Sub: #2 posted on Mon, 08/25/2008 - 11:45

smo65d11 smo65d11

(Posts: 1468 | Credits: )

I was under the impression that you, as a consumer, had 30 days to respond when you get their letter to dispute the debt. And that, the Ca had no time limit to respond, unless you live in Texas, and I believe there may be a few other states as well.

When I have sent a follow-up letter, I included a copy of my first one,along with an "I am still waiting for the complete info to be sent", and the last time, mentioned that they had been contacting me before validating, as well as giving my info to someone else..Good Luck

I may be wrong on this, if so, someone will come along and help!!..karen

Sub: #3 posted on Tue, 08/26/2008 - 07:17

Bossy4455 Bossy4455
Moderators
(Posts: 5854 | Credits: )

This was the letter that I sent. Should I follow up with a different one stating that their time is up they couldn't validate therefore it should be removed immediatly from my credit report. I know what I want to say but maybe a more "legal" way to put it to get them to take it off or I will pursue. . . that sort of thing

Thanks

Sub: #4 posted on Wed, 08/27/2008 - 10:05

Unregistered


Bossy is correct....they have no deadline to provide validation. If your DV was timely, then they must cease collection efforts until validation is provided but they never have to respond.

Sub: #5 posted on Wed, 08/27/2008 - 10:09

NASCAR_Devil NASCAR_Devil
Moderators Cum Industry Expert
(Posts: 4671 | Credits: )

But if they never responded, then aren't they supposed to stop reporting it to the credit bureaus? Or am I confusing that with something else?

Sub: #6 posted on Wed, 08/27/2008 - 10:16

alias1958 alias1958

(Posts: 1230 | Credits: )

I was thinking that if they didn't respond to a validation request you could dispute it with the CRA???

Sub: #7 posted on Wed, 08/27/2008 - 10:31

Shazzers Shazzers
Moderators Cum Industry Expert
(Posts: 17345 | Credits: )

Quote:
who exactly would the above letter be sent to? It refers to the collection agency as being another entity ... isn't a letter like that sent TO the collection agency? I am super confused!


Hummmmmmm, I was thinking that letter would be more geared toward the CRA to get the CA removed from your credit report. :?

Sub: #8 posted on Wed, 08/27/2008 - 10:34

Shazzers Shazzers
Moderators Cum Industry Expert
(Posts: 17345 | Credits: )

So now what? I wait? The one thing they did say is that this was a debt about 13 years old. I know the SOL in TX is 4 years. So if this is that old they shouldn't even be reporting at all right! I just need this to go away already. I don't even know who this debitor is anyway. I think they are crazy.

Sub: #9 posted on Wed, 08/27/2008 - 10:55

Unregistered


Try disputing it with the CRA's with the above info, out of SOL.

Sub: #10 posted on Wed, 08/27/2008 - 10:56

Shazzers Shazzers
Moderators Cum Industry Expert
(Posts: 17345 | Credits: )

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