Hello, I recently sent a Debt Verification letter to a creditor.
See if you feel that your creditor has not given you enough information, then you can send another letter seeking more documents. Mention in the letter that you need more information.
By the way, is this debt listed on your credit report? Is there any wrong information?
You said you sent it to a “creditor”. If you mean the original creditor with which you opened the account, it does not have to respond with anything at all.
Or did you send the request to a debt collector? Did you send the letter as a response to a collection letter that contained the 30-day notice of your right to request validation? If you sent it at any other time, your validation rights were not triggered.
Anyway, what did you request and what did they send to you? Most sample letters found on the internet make demands that are not required to validate a debt. According to the courts, the purpose of validation is to insure that the correct person is being contacted and the amount claimed is what the original creditor stated is owed.
Debt collectors are not required to provide an accounting of a debt, proof of the right to collect, date of last payment, etc.
Well, your creditor must provide you a written notice that has certain legally-required information. in your letter, you can ask for the details like why the creditor thinks you owe the debt, the amount and age of the debt, etc. If you need any information other than the legally-required one, you can request your creditor for that. But your creditor is not legally bound to do so.
Is this debt listed on your credit report? It seems you haven't get enough documents. I agree with craigh, you can ask your creditor for the details like why the creditor thinks you owe the debt, the amount and age of the debt, etc. Do not forget to mention in the letter that you need more information.
Original creditors are not bound by the FDCPA and do not have to validate under any circumstances. Debt collectors are only required to validate if a request is sent within 30 days of receiving an initial communication that contains the 30 day validation notice.
Finding a collection account listed on one’s credit report is not an initial communication that triggers one’s right to validation.