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Advanced Credit Repair - Dealing with Collection Agencies Collection Agencies Dunning you? Are they complying with the FDCPA and or the FCRA? IF they are not, they could be liable for up to $1000.00 to you! This is the forum to educate and protect the rights afforded to you under the FDCPA and the FCRA. Legal aspects of credit restoration will be found in this forum. MEMBERS CAN POST ANONYMOUS QUESTIONS...

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Old 05-02-2008, 10:20 AM   #1 (permalink)
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Cap1 "validates"...looks sooo fishy

background: sued by cap1 via atty; personal info was stolen in '02, answered suit w/that defense, and dv'd them; i just received their reply. the atty who claims to rep OC states their client did not supply them any sales slips or stmt of acct. attached to ltr was a signed acceptance certificate, a bar coded ltr that's suppose to be the disclosure (no terms and cond. though) and 2 stmts: 1) dtd 01/04-02/05 with a note at top stating "60 days past due, your acct is temporarily suspended"; this one shows OC's address and my info on bottom of stmt; 2) dtd 02/03-03/05 w/a note stating "ur acct is about to charge off as a bad debt"; this one does not show OC's address but instead it shows Dbqj ubm Pof and NBJM JE where the cust info would be. What the hay!!? I do not have anything that shows this is my acct (reason i dv'd) any thoughts for said "validation"? thanks!
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Old 05-02-2008, 07:05 PM   #2 (permalink)
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Did you file a police report for identity theft.
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Old 05-03-2008, 02:09 AM   #3 (permalink)
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If it wasn't your account, you should have filed a MTD or motion for a more definite statement.
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Old 05-03-2008, 05:42 PM   #4 (permalink)
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yes, i filed a pd for the lost id
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Old 05-03-2008, 05:53 PM   #5 (permalink)
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If it wasn't your account, you should have filed a MTD or motion for a more definite statement.
i've asked for disc, should that be enough or in addition to that file the mtd?

i'm just surprised by their reply; i had read in some threads that it wouldn't do any good to dv the OC, i decided to do it anyway (i guess i was testing this theory and wanted to know if i'd get anything) and when i rec'd the ltr from the atty stating their cl doesn't have slips or stmt other than what was sent, i'm thinking "What?!"
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