I received a reply from a CA stating the following:
We are unable to locate the debtor/account by the information you provided. Please call our office (number), or fax additional information to (number). Thank you.
As far as information listed in the letter, I gave my name address, and the account number shown on the credit report, although it has Xs it in. EX: 555XXXX is shown on the report. They should be able to look me up by name, correct?
Is this enough to file a dispute with the CRA or is more correspondence needed?
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.