Skip to main content

Debtconsolidationcare.com - the USA consumer forum

Question regarding vaildation

Date: Wed, 12/15/2010 - 19:50

Submitted by anonymous
on Wed, 12/15/2010 - 19:50

Posts: 202330 Credits: [Donate]

Total Replies: 2


Long story short: Somehow T-mobile got it in their head I have had an account with them. The claim I owe them $165. I have never had a T-mobile account in my life. I was clueless about this until a creditor contacted me. I asked for validation within the proper time frame and they sent me single statement that said $132. I sent them a letter back stating that they had failed to validate the debt, don't report it, etc. All of this is documented, return receipts, etc. I checked my credit report and they have reported it.

My questions: What constitutes proper validation? In a perfect world, a signature on a contract would be required and I know I would be golden there, because I have never and would never sign a contract for a cell phone with anyone. (I don't use it enough to pay for an expensive plan.)
Also, shouldn't any sort of validation reflect the actual amount they are claiming you owe? How can a debt be valid without some sort of accounting that shows the amount they are claiming you owe?
Thirdly, the debt is not listed as "in dispute" on my report.Should it be or did their piss poor showing count as validation?
Finally, would I have a reason to sue for this?


Hi!
Welcome to the forums!

Yes, in a proper debt validation letter, they should give the name and contact details of the creditor, total debt amount, etc. They are also required to send you a copy of the signed agreement between the debtor and creditor. In addition to that, they have to send a copy of the account statement so as to show the outstanding debt amount.

The debt will not be listed as "in dispute" on your credit report since you have not disputed the item.

You can send a cease and desist letter to them if they have been unable to validate the debt. If they still try to contact you, then file a complaint with FTC. You can also dispute the item with credit bureau.

Get more information on debt validation from this page
http://www.debtconsolidationcare.com/validation.html


lrhall41

Submitted by Good Nelly on Wed, 12/15/2010 - 22:17

( Posts: 2846 | Credits: )