How to deal with credit bureaus after debt validation request

If you have contacted the collection agency and requested a validation of debt, but they haven't sent you a proof of your legal obligation to pay off debt, you need to send a letter to the credit bureau. You should send the letter via a registered mail.


The Letter


Your Name



Your Address



Your Phone #

Collector's Name
Collector's Address
Date


Dear Sir/Madam,

Re: Account Number

I am writing to dispute the account referenced above. While you have been able to validate the debt with the collection agency, they have refused to respond to my requests for validation.

I am enclosing copies of my requests to the collection agency to validate my debt, along with copies of the receipts showing that they received my requests. This debt is not mine, and I have not received any evidence of my obligation to pay this debt.

Under the FCRA, you are required to validate this account within 30 business days. If you cannot verify the debt, you are obligated by law to remove this item. If you do not, I will be forced to take legal action against you.

If you cannot verify the item in accordance with the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA.

I am looking forward to a speedy resolution of this matter.

Sincerely,


Your Signature



Your Name




What you can get in our community

Educate Yourself

Community Tools & Resources

Community Buzz

DebtConsolidationCare (IAPDA member)
Inter Next Technologies, Inc., Internet Marketing Services, Reno, NV
Connect With Us
About Us | Contact Us | Privacy Policy | Affiliate | Sitemap | Espanol | RSS Feeds | Terms of Services | Newsletters
Copyright © 2015 DebtConsolidationCare | 301 W. 11th Street Unit E Reno, NV 89503, United States
* Disclosures:
  1. 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.
  2. Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
  3. Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
  4. 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.
  5. The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.
Page loaded in 3.319 seconds.