What is considered debt validation with a collection agency?
I received a letter from a collection agency. I sent them a letter stating, this was not a refusal to pay but a notice pursuant to the FDCPA and that the claim is being disputed and validation is requested.
I asked them to provide to me :
What the money you say I owe is for;
Explain and show me how you calculated what you say I owe;
Provide me with copies of any papers that show I agreed to pay what you say I owe;
Provide a verification or copy of any judgment if applicable;
Identify the original creditor.
I received a letter back simply saying they bought my account and the seller provided an electronic file of its business records concerning the account. All it showed was a balance due, date they say account was opened and original creditor.
It does not show any of the information I asked accept maybe the name of the original creditor. I do not feel they have fully Validated my request.
So my question again would be. What is considered correct Validation?