What is considered debt validation with a collection agency?

by Chris
(California)

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?

Comments for What is considered debt validation with a collection agency?

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Nov 20, 2013
What is considered debt validation with a collection agency?
by: Debtcollectionanswers.com

Unfortunately, although federal law gives you the right to have a debt in collections validated, it does not define exactly what kinds of information a collection agency (or debt buyer) must provide to you in response. Therefore, the agency is not legally obligated to answer all of your questions.

Our best advice therefore is that if you are not pleased with the response you've gotten to your validation request, let the company know that you want additional information and spell out exactly what you want, like you did the first time. However, you may not get any more information than you did the first time.

By the way, it's best to your request in writing, make a copy of the letter and send the original via certified mail, return receipt requested.

You should also know that you are legally entitled to tell the collection agency not to contact you anymore. Again put your request in writing, make a copy for your files and send the letter via certified mail, return receipt requested. This is a good option if you are sure that the debt is not yours. Once the agency has received your letter, it cannot contact you again except to confirm receipt of your letter or to inform you about any actions it may take to try to collect the money the agency believes you owe -- sue you for example.

Also, if you believe that your debt collection rights may have been violated,schedule a FREE consultation with a consumer law attorney in your area.


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