Yes, jj's right......the terms: 1 month is a violation. They are making it look like you had monthly payments with them......which is not true.
You should DV the CA.........even though it's a paid acct. Send something really short and simple.
This is honestly my favorite DV letter:
Your Name
Date
Re: Account # 123456787
Dear CA,
I dispute your claims in their entirety and request validation pursuant to the FDCPA.
Sincerely,
Joe Consumer
BUT you can add a little more if you wish....
If you want to state that you've noticed this acct being reported on your CRs inaccurately.....you can and then state that you dispute it.
I just think less is better when talking to a CA. Then if they don't update it/validate it or delete it......you can send a more aggressive letter.
HTH
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